options(scipen=999)

# source(here::here("code", "setup.R"))

# defaults for plots
library(ggplot2); theme_set(theme_minimal());
options(
  ggplot2.continuous.color = "viridis",
  ggplot2.continuous.fill = "viridis"
)
scale_color_discrete <- function(...){
  scale_color_viridis_d(..., direction = -1, 
                        begin = 0, end = .6, option = "viridis")}
scale_fill_discrete <- function(...){
  scale_fill_viridis_d(..., direction = -1, 
                       begin = 0, end = .6, option = "viridis")}

scale_color_continuous <- function(...){
  scale_color_viridis_c(..., direction = -1, 
                        option = "viridis")}
scale_fill_continuous <- function(...){
  scale_fill_viridis_c(..., direction = -1, 
                       option = "viridis")}

# Table formatting
library(kableExtra)
kablebox <- . %>% 
  slice_head(n = 300) %>%
  knitr::kable() %>% 
  kable_styling() %>% 
  scroll_box(height = "400px")

Data

The root for this script is finreg. Most of the data are in finreg/data (some in a subfolder merged_resources). Others are up one level in FINREGRULEMAKE2/Data. This can and should be streamlined significantly.

Sophistication

File: Data/Dictionary_Terms.RData contains six objects (3 sets of measures for both comments and attachments)

1. Dictionary counts of technical terms used in comments and attachments

We use the Oxford Dictionary of Finance and Banking and the Merriam Webster law dictionary. While Black’s is a more common law dictionary, a complete version is not available online.

Objects: technical_terms_comments and technical_terms_attachment

Variables:

  • doc_id - the comment_url or attachment_url in the comments and attachments files in master.sqlite
  • uk_law - UK law terms - this is in the file as I was curious how many of the terms would be in a UK law dictionary.
  • banking - US banking terms in Merriam Webster’s banking dictionary
  • us_law - US law terms in Merriam Webster’s US law dictionary. We didn’t use Black’s law dictionary because it’s incomplete, as shown at the beginning of the dictionary_and_bluebook.R file
  • overlap - terms in both banking and us_law
  • dictionary_terms - banking + us_law - overlap
  • Comment - 1 if from the comments file in Master, 0 if from attachments

2. Tables and Figures

Counts of Tables and Figures. Looks at the maximum number of tables, with large jumps excluded. For example, a document with tables 1, 2, 3, and 99 would treat 99 as an error and say there were three tables. This mostly comes from bad OCRing or documents that have footnotes in between the word “table” and the table number.

Objects: Tables_and_Figures_attachments and Tables_and_Figures_comments

Variables:

  • comment_url - the comment_url or attachment_url in the comments and attachments files in master.sqlite
  • Figures - counts of figures
  • Tables- counts of tables
  • Comment - 1 if from comments, 0 if from attachments
  • Visualizations - sum of figures + tables

Assets

load(here::here("data", "commenter_assets.Rdata"))

d <- commenter_assets

#FIXME MOVE TO TOP 
d$comment_url %<>% str_replace("document\\?D=", "comment/")


d %>% arrange(assets) %>% 
  dplyr::select(org_name, assets, revenue, comment_url) %>% kablebox()
org_name assets revenue comment_url
sc independent living council -3896 46840 https://www.regulations.gov/comment/CFPB-2016-0025-208045
super science -3607 72660 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34131
christ apostolic church victory center -2525 1375 https://www.regulations.gov/comment/CFPB-2016-0025-21204
odessa elderly housing -541 0 https://www.sec.gov/comments/s7-45-10/s74510-700.pdf
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2016-0020-3104
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2011-0008-0327
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2013-0010-0012
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2013-0013-0080
omni life community health partners -38 4200 https://www.regulations.gov/comment/CFPB-2011-0008-0023
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2011/January/20110121/R-1404/R-1404_011911_61789_560982947127_1.pdf
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2011/July/20110707/R-1417/R-1417_070611_81724_516054735780_1.pdf
omni life community health partners -38 4200 https://www.federalreserve.gov/SECRS/2010/December/20101228/R-1394/R-1394_121710_57462_465475515251_1.pdf
great plains region homeownership opportunities women 0 0 https://www.regulations.gov/comment/CFPB-2016-0025-135256
south baltimore pigeon fanciers social club 0 15799 https://www.regulations.gov/comment/CFPB-2014-0033-0041
joint trade committee painting decorating industry 0 0 https://www.regulations.gov/comment/CFPB-2012-0028-0495
vested interest community services 0 49409 https://www.regulations.gov/comment/CFPB-2012-0028-2154
inland empire legal association women 0 0 https://www.sec.gov/comments/s7-27-10/s72710-49.htm
capital city organizational development network 0 10251 https://www.sec.gov/comments/s7-07-13/s70713-381.pdf
credit union department state texas 0 0 https://www.federalreserve.gov/SECRS/2011/February/20110223/R-1404/R-1404_022211_67247_584261267257_1.pdf
amish country central illinois cvb 0 38371 https://www.federalreserve.gov/SECRS/2011/March/20110322/R-1404/R-1404_032111_69219_590328492738_1.pdf
inland empire legal association women 0 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26451
colorado assoc animal control officers 0 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33843
consumers research 1 0 https://www.regulations.gov/comment/CFPB-2019-0022-9580
parkers grove baptist church 1 36933 https://www.regulations.gov/comment/CFPB-2016-0025-144896
resurrection baptist church community development 1 1 https://www.regulations.gov/comment/CFPB-2016-0025-144893
american legion auxiliary alton indiana unit no 1388 8th district 1 3773 https://www.regulations.gov/comment/CFPB-2016-0025-200391
cornerstone home gardens 1 3350 https://www.regulations.gov/comment/CFPB-2013-0002-0315
ppep first american resources services 1 1 https://www.regulations.gov/comment/CFPB-2013-0002-0386
aba securities association 1 440000 https://www.sec.gov/comments/s7-16-11/s71611-38.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-41-11/s74111-254.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-24-10/s72410-42.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-26-10/s72610-49.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-19-10/s71910-8.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-08-10/s70810-236.pdf
aba securities association 1 440000 https://www.sec.gov/comments/s7-14-11/s71411-448.pdf
greater lowell workforce development board 1 1 https://www.sec.gov/comments/s7-14-11/s71411-49.pdf
bainbridge institute 1 0 https://www.sec.gov/comments/s7-06-13/s70613-98.htm
bainbridge institute 1 0 https://www.sec.gov/comments/s7-06-13/s70613-93.htm
jersey county economic development 1 62055 https://www.sec.gov/comments/s7-45-10/s74510-121.pdf
world american cultural exchanges 1 75000 https://www.federalreserve.gov/SECRS/2016/June/20160609/R-1534/R-1534_060316_130279_606438626959_1.pdf
aba securities association 1 440000 https://www.federalreserve.gov/SECRS/2012/May/20120518/R-1438/R-1438_043012_107260_517777684198_1.pdf
pinellas county housing economic development 1 0 https://www.federalreserve.gov/SECRS/2011/August/20110815/R-1411/R-1411_072711_84745_416368618490_1.pdf
louisiana outside counsel health ethics foundation 1 500000 https://www.federalreserve.gov/SECRS/2011/May/20110526/R-1404/R-1404_042511_69539_582753301043_1.pdf
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=547
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=633
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58875
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56664
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48015
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=505
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49964
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48158
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47885
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50536
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50533
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27879
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27793
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44793
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49800
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50537
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27796
jacob l ella c loose foundation 1 480000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34193
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50535
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50534
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44585
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27551
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27550
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58092
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50538
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49922
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35499
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27795
aba securities association 1 440000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60023
tag tacoma art 1 450 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=6121
encana cares usa foundation 1 1814324 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33589
international brotherhood electrical workers 1 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33461
quit smoking cigarettes organization 1 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=2091
g e m mentoring services 54 1469 https://www.regulations.gov/comment/CFPB-2012-0037-0474
idaho youth drug prevention education program 66 54574 https://www.sec.gov/comments/s7-45-10/s74510-574.pdf
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2016-0025-142821
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2014-0024-0004
american association responsible auto lenders 68 433559 https://www.regulations.gov/comment/CFPB-2011-0002-0482
every dollar feeds kids 75 45591 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50370
every dollar feeds kids 75 45591 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50371
citizens responsible annexation 77 500 https://www.regulations.gov/comment/CFPB-2016-0025-137807
citizens responsible annexation 77 500 https://www.regulations.gov/comment/CFPB-2016-0025-141791
maryland mutual ufo network 100 100 https://www.regulations.gov/comment/CFPB-2012-0037-0075
maryland mutual ufo network 100 100 https://www.regulations.gov/comment/CFPB-2013-0002-0833
pan africa children advocacy watch 160 4720 https://www.sec.gov/comments/s7-40-10/s74010-534.pdf
park place 280 250 https://www.regulations.gov/comment/CFPB-2012-0037-0545
dade county school administrators association 343 233278 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35160
one cent solution 350 196859 https://www.regulations.gov/comment/CFPB-2013-0002-0107
fed up cancer 539 25031 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32831
housing education economic development 799 106660 https://www.regulations.gov/comment/CFPB-2014-0019-0317
privacy activism 808 7903 https://www.sec.gov/comments/s7-08-10/s70810-91.pdf
national small business council 938 10074 https://www.regulations.gov/comment/CFPB-2016-0025-170476
national small business council 938 10074 https://www.sec.gov/comments/s7-06-13/s70613-409.pdf
sd citizens liberty 1209 7371 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32116
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2016-0038-1603
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2015-0029-0778
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2012-0028-0429
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2012-0028-2460
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2012-0028-0216
escrow institute california 1221 133397 https://www.regulations.gov/comment/CFPB-2012-0028-0206
mountain river youth ranch 1470 9710 https://www.regulations.gov/comment/CFPB-2012-0028-1630
financial services roundtable supplier diversity 1626 57700 https://www.federalreserve.gov/SECRS/2014/September/20140909/R-1492/R-1492_081114_129583_426051889270_1.pdf
financial services roundtable supplier diversity 1626 57700 https://www.federalreserve.gov/SECRS/2017/January/20170112/R-1548/R-1548_112316_131610_404923899385_1.pdf
financial services roundtable supplier diversity 1626 57700 https://www.federalreserve.gov/SECRS/2012/August/20120831/R-1442/R-1442_062212_107857_341324584154_1.pdf
financial services roundtable supplier diversity 1626 57700 https://www.federalreserve.gov/SECRS/2013/April/20130425/R-1442/R-1442_102212_109967_509619773482_1.pdf
nevada association mortgage professionals 1631 11930 https://www.regulations.gov/comment/CFPB-2013-0002-0314
n c credit personal finance council 1737 120000 https://www.regulations.gov/comment/CFPB-2016-0025-200001
delaware ohio friends monthly meeting 1773 1884 https://www.federalreserve.gov/SECRS/2011/May/20110526/R-1404/R-1404_031511_69184_565048881556_1.pdf
valley insight meditation society 1791 9356 https://www.regulations.gov/comment/CFPB-2016-0025-144156
representative financial services 1794 69760 https://www.sec.gov/comments/s7-34-10/s73410-191.pdf
representative financial services 1794 69760 https://www.sec.gov/comments/s7-12-11/s71211-763.pdf
central florida jobs justice 1987 56460 https://www.regulations.gov/comment/CFPB-2016-0025-170393
lone star company james towne society 2115 1480 https://www.regulations.gov/comment/CFPB-2012-0028-2336
world conference mayors 2151 81055 https://www.sec.gov/comments/s7-24-10/s72410-37.pdf
center survivor agency andjustice 2496 39913 https://www.regulations.gov/comment/CFPB-2019-0022-9528
center survivor agency andjustice 2496 39913 https://www.regulations.gov/comment/CFPB-2016-0025-143501
center survivor agency andjustice 2496 39913 https://www.regulations.gov/comment/CFPB-2014-0033-0100
gentle touch animal sancturary 2539 107564 https://www.federalreserve.gov/SECRS/2010/December/20101223/R-1404/R-1404_121610_56878_582871759913_1.pdf
sign times carolinas 2694 48212 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28799
concerned citizens 2869 1674 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34204
concerned citizens 2869 1674 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50315
lawrence r klein fund 2890 0 https://www.regulations.gov/comment/CFPB-2012-0028-0739
floridians government accountability 2921 0 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31959
nm professional chapter association women in communica 2962 10585 https://www.regulations.gov/comment/CFPB-2012-0037-0157
family community resource center columbiana county 2977 26802 https://www.sec.gov/comments/s7-45-10/s74510-55.pdf
kasetsart university alumni association usa 3017 9078 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=1354
american string teachers association 3026 3806 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60142
indiana chief technology officer council 3133 45306 https://www.sec.gov/comments/s7-24-10/s72410-35.pdf
preservation alliance west 3165 89378 https://www.regulations.gov/comment/CFPB-2013-0002-0868
association institutional investors 3175 383000 https://www.regulations.gov/comment/CFPB-2012-0022-0140
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-41-11/s74111-609.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-41-11/s74111-604.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-38-11/s73811-41.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-06-11/s70611-53.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-34-10/s73410-78.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-27-10/s72710-131.pdf
association institutional investors 3175 383000 https://www.sec.gov/comments/s7-41-11/s74111-31.pdf
association institutional investors 3175 383000 https://www.federalreserve.gov/SECRS/2011/December/20111223/R-1432/R-1432_121611_88593_362503775011_1.pdf
association institutional investors 3175 383000 https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105540_519234056703_1.pdf
association institutional investors 3175 383000 https://www.federalreserve.gov/SECRS/2013/January/20130130/R-1432/R-1432_111312_110675_428442753202_1.pdf
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50591
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58937
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58835
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57469
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44578
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=46734
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=42186
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56673
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50589
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50592
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44581
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50586
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48036
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44577
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=45747
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58191
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50587
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50588
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58161
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44580
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58145
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50590
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44579
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49959
association institutional investors 3175 383000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47794
imperial court rhode island providence 3179 1343 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26418
ready real world 3255 5017 https://www.regulations.gov/comment/CFPB-2016-0038-0095
crestline school boosters 3417 10194 https://www.federalreserve.gov/SECRS/2010/December/20101208/R-1397/R-1397_112210_55778_551007524551_1.pdf
coronado junior womans club 3422 17305 https://www.sec.gov/comments/s7-27-10/s72710-46.htm
coronado junior womans club 3422 17305 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26461
back alley musicals 3591 60281 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60139
cambodian american foundation foreducation 3683 15945 https://www.regulations.gov/comment/CFPB-2016-0025-137362
cypress woods high school orchestra parents association 3864 36462 https://www.federalreserve.gov/SECRS/2015/December/20151203/R-1415/R-1415_120115_130132_417869155946_1.pdf
tennessee christian chamber 3869 57277 https://www.regulations.gov/comment/CFPB-2016-0025-201183
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47982
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33723
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33712
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32253
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32229
world youth movement 3936 7207 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32158
maine academy family physicians foundation 3958 773 https://www.federalreserve.gov/SECRS/2011/February/20110222/R-1404/R-1404_021511_66751_572134557863_1.pdf
christian community commission 3973 13985 https://www.regulations.gov/comment/CFPB-2016-0025-201361
fort collins service league 4053 26541 https://www.federalreserve.gov/SECRS/2010/December/20101202/R-1394/R-1394_110310_54344_531205347916_1.pdf
reserve board club federal reserve building 4202 32073 https://www.federalreserve.gov/SECRS/2013/February/20130212/R-1442/R-1442_012413_110947_319365248568_1.pdf
reserve board club federal reserve building 4202 32073 https://www.federalreserve.gov/SECRS/2011/May/20110527/R-1404/R-1404_051211_69643_593879480780_1.pdf
radiology consultants little rock p medical benefits tr 4280 1024987 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27091
radiology consultants little rock p medical benefits tr 4280 1024987 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26670
radiology consultants little rock p medical benefits tr 4280 1024987 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=29017
united community church christ 4388 14510 https://www.regulations.gov/comment/CFPB-2016-0025-17040
national advocacy center sisters good shepherd 4478 8164 https://www.sec.gov/comments/s7-40-10/s74010-222.pdf
asia policy point 4661 61138 https://www.sec.gov/comments/s7-07-13/s70713-288.htm
grace redemption family worship center 4746 39713 https://www.regulations.gov/comment/CFPB-2016-0025-144887
kipp metro atlanta opportunity fund 4779 53148 https://www.regulations.gov/comment/CFPB-2014-0019-0121
kipp metro atlanta opportunity fund 4779 53148 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35106
alameda county leather 4828 26492 https://www.regulations.gov/comment/CFPB-2016-0025-154021
elmwood park boys major league 5059 80637 https://www.regulations.gov/comment/CFPB-2016-0025-199082
department new york ladies auxiliary veterans 5294 16113 https://www.regulations.gov/comment/CFPB-2019-0022-12052
department new york ladies auxiliary veterans 5294 16113 https://www.regulations.gov/comment/CFPB-2019-0022-12110
department new york ladies auxiliary veterans 5294 16113 https://www.regulations.gov/comment/CFPB-2013-0018-0056
department new york ladies auxiliary veterans 5294 16113 https://www.federalreserve.gov/SECRS/2013/May/20130521/R-1438/R-1438_043013_111132_562676223962_1.pdf
department new york ladies auxiliary veterans 5294 16113 https://www.federalreserve.gov/SECRS/2012/December/20121228/R-1442/R-1442_102212_110000_386242109442_1.pdf
coalition concerned black christian men 5365 22710 https://www.regulations.gov/comment/CFPB-2016-0025-148800
texans public justice 5671 253643 https://www.regulations.gov/comment/CFPB-2016-0020-4552
center california homeowner association law 6012 22544 https://www.regulations.gov/comment/CFPB-2013-0033-0390
realtors community crisis response fund 6142 3 https://www.sec.gov/comments/s7-14-11/s71411-171.pdf
leander independant school district academic advocates association 6514 4795 https://www.regulations.gov/comment/CFPB-2012-0028-1317
leander independant school district academic advocates association 6514 4795 https://www.regulations.gov/comment/CFPB-2012-0028-1381
snr denton scholars foundation 6705 33 https://www.sec.gov/comments/s7-25-10/s72510-76.pdf
snr denton scholars foundation 6705 33 https://www.sec.gov/comments/s7-25-10/s72510-68.pdf
snr denton scholars foundation 6705 33 https://www.sec.gov/comments/s7-21-11/s72111-23.pdf
snr denton scholars foundation 6705 33 https://www.federalreserve.gov/SECRS/2013/February/20130225/R-1442/R-1442_102212_109752_308151608828_1.pdf
texas land developers association 7003 65520 https://www.regulations.gov/comment/CFPB-2011-0008-0558
texas land developers association 7003 65520 https://www.regulations.gov/comment/CFPB-2011-0008-0561
texas land developers association 7003 65520 https://www.regulations.gov/comment/CFPB-2011-0008-0583
texas land developers association 7003 65520 https://www.regulations.gov/comment/CFPB-2011-0008-1309
texas land developers association 7003 65520 https://www.federalreserve.gov/SECRS/2011/July/20110725/R-1417/R-1417_072011_82770_424625784886_1.pdf
texas land developers association 7003 65520 https://www.federalreserve.gov/SECRS/2011/July/20110725/R-1417/R-1417_072111_82839_339368035000_1.pdf
sethi international center corporate accountability 7136 12000 https://www.sec.gov/comments/s7-40-10/s74010-435.pdf
sethi international center corporate accountability 7136 12000 https://www.sec.gov/comments/s7-40-10/s74010-391.pdf
sethi international center corporate accountability 7136 12000 https://www.sec.gov/comments/s7-40-10/s74010-303.pdf
sethi international center corporate accountability 7136 12000 https://www.sec.gov/comments/s7-40-10/s74010-281.pdf
joseph r capra welding scholarship fund 7322 1607 https://www.federalreserve.gov/SECRS/2011/February/20110225/R-1404/R-1404_022111_67754_570894862915_1.pdf
cantabria house u s 7380 2284 https://www.sec.gov/comments/s7-14-11/s71411-129.pdf
cantabria house u s 7380 2284 https://www.sec.gov/comments/s7-14-11/s71411-128.pdf
cantabria house u s 7380 2284 https://www.sec.gov/comments/s7-14-11/s71411-46.pdf
cantabria house u s 7380 2284 https://www.sec.gov/comments/s7-14-11/s71411-47.pdf
milwaukee chapter wisconsin right life 7396 17178 https://www.regulations.gov/comment/CFPB-2014-0006-0014
carolina human reinvestment 7404 76491 https://www.regulations.gov/comment/CFPB-2011-0002-0410
carolina human reinvestment 7404 76491 https://www.regulations.gov/comment/CFPB-2011-0002-0408
carolina human reinvestment 7404 76491 https://www.regulations.gov/comment/CFPB-2011-0002-0409
carolina human reinvestment 7404 76491 https://www.regulations.gov/comment/CFPB-2011-0002-0490
carolina human reinvestment 7404 76491 https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1411/R-1411_072911_84835_375986266299_1.pdf
link americas foundation 7423 106225 https://www.regulations.gov/comment/CFPB-2012-0037-0313
colorado association mortgage professionals 7433 65871 https://www.regulations.gov/comment/CFPB-2015-0029-0533
colorado association mortgage professionals 7433 65871 https://www.regulations.gov/comment/CFPB-2011-0008-0708
colorado association mortgage professionals 7433 65871 https://www.regulations.gov/comment/CFPB-2012-0028-2167
colorado association mortgage professionals 7433 65871 https://www.sec.gov/comments/s7-14-11/s71411-55.pdf
shelter island run 7529 85770 https://www.regulations.gov/comment/CFPB-2013-0002-0267
j z l foundation 7711 10012 https://www.federalreserve.gov/SECRS/2010/December/20101221/R-1404/R-1404_121910_56787_590814965711_1.pdf
las vegas san miguel county economic development 7878 17033 https://www.regulations.gov/comment/CFPB-2016-0025-119025
east new york united concerned 7998 40286 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31867
east new york united concerned 7998 40286 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28416
land o lincoln camp cedarbrook 8324 47353 https://www.regulations.gov/comment/CFPB-2012-0028-1062
right move chess foundation 8638 32652 https://www.federalreserve.gov/SECRS/2011/January/20110103/R-1394/R-1394_122110_58328_544547786383_1.pdf
family literacy network 8841 269965 https://www.regulations.gov/comment/CFPB-2011-0009-0047
sand creek sea lions 9276 39572 https://www.regulations.gov/comment/CFPB-2016-0038-0063
sand creek sea lions 9276 39572 https://www.regulations.gov/comment/CFPB-2016-0038-0062
arkansas municipal auditorium commission 9283 23305 https://www.sec.gov/comments/s7-45-10/s74510-44.pdf
central california hispanic chamber commerce 9424 126521 https://www.regulations.gov/comment/CFPB-2016-0025-200237
women mean business 9659 28242 https://www.sec.gov/comments/s7-27-10/s72710-66.pdf
financial executives international 9696 41360 https://www.sec.gov/comments/s7-41-11/s74111-366.pdf
financial executives international 9696 41360 https://www.federalreserve.gov/SECRS/2014/January/20140103/R-1432/R-1432_120313_111672_496323525574_1.pdf
jubilee centre usa 9702 69248 https://www.regulations.gov/comment/CFPB-2016-0025-3785
jubilee centre usa 9702 69248 https://www.regulations.gov/comment/CFPB-2016-0025-142493
department nebraska ladies auxiliary vfw us 9848 26739 https://www.federalreserve.gov/SECRS/2012/December/20121204/R-1442/R-1442_110912_110705_405039448938_1.pdf
childrens aid programs africa 9856 3047 https://www.regulations.gov/comment/CFPB-2016-0025-141790
step strategies toward educational progress 10000 3000 https://www.regulations.gov/comment/CFPB-2016-0025-148828
step strategies toward educational progress 10000 3000 https://www.regulations.gov/comment/CFPB-2016-0025-200907
30 years 10026 14556 https://www.sec.gov/comments/s7-06-13/s70613-88.htm
american baptist churches in usa 10051 146043 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33502
asian pacific islander american vote 10071 28211 https://www.regulations.gov/comment/CFPB-2014-0019-0414
leadership international charitable tr 10074 16138 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=8487
project hunger 10116 37469 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28579
southeast colorado regional heritage taskforce 10306 54617 https://www.regulations.gov/comment/CFPB-2019-0021-0459
ibew local union 210 community assistance fund 10997 37238 https://www.federalreserve.gov/SECRS/2011/February/20110222/R-1404/R-1404_021711_66781_572525346616_1.pdf
modern financial services association alabama 11192 41533 https://www.regulations.gov/comment/CFPB-2016-0025-200950
louisiana mortgage lenders association 11440 30299 https://www.regulations.gov/comment/CFPB-2011-0008-1697
polska szkola im jana kochanowskiego 11671 35589 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=29527
firestone prescott community fund 11839 23568 https://www.regulations.gov/comment/CFPB-2012-0028-0376
class act carlsbad new mexico 11899 71205 https://www.regulations.gov/comment/CFPB-2011-0009-0012
class act carlsbad new mexico 11899 71205 https://www.federalreserve.gov/SECRS/2011/July/20110712/R-1419/R-1419_070811_81795_516220317682_1.pdf
hawaii appleseed center law economic justice 11943 68896 https://www.regulations.gov/comment/CFPB-2012-0034-0073
united pawnbrokers association texas 12070 55000 https://www.regulations.gov/comment/CFPB-2016-0025-149700
mountain citizens acting restore earth 12214 4732 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60140
us friends van leer jerusalem institute 12248 441000 https://www.federalreserve.gov/SECRS/2010/December/20101203/R-1394/R-1394_120110_55268_592681369055_1.pdf
us friends van leer jerusalem institute 12248 441000 https://www.federalreserve.gov/SECRS/2011/January/20110121/R-1394/R-1394_011911_61798_561182169702_1.pdf
consumer assistance council 12386 82083 https://www.regulations.gov/comment/CFPB-2013-0033-0083
columbia south carolina section american nuclear society incor 12425 5263 https://www.regulations.gov/comment/CFPB-2012-0028-1228
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-1517
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-2088
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-2888
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-2887
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-2889
central ohio land title underwriters association 12436 9551 https://www.regulations.gov/comment/CFPB-2012-0028-2886
golden triangle federal credit union 12750 807 https://www.regulations.gov/comment/CFPB-2013-0013-0045
hawaii chinese association 12808 48080 https://www.regulations.gov/comment/CFPB-2016-0025-170698
el paso county search rescue foundation 12858 239 https://www.sec.gov/comments/s7-45-10/s74510-142.pdf
montessori center pearl harbor 13010 189658 https://www.regulations.gov/comment/CFPB-2019-0021-0267
redmond elementary ptsa lake washington ptsa councel 2 8 46 13535 46155 https://www.sec.gov/comments/s7-45-10/s74510-779.pdf
corporate woods board trustees 13915 40690 https://www.sec.gov/comments/s7-45-10/s74510-911.pdf
minnesota statewide family network 14000 76091 https://www.regulations.gov/comment/CFPB-2019-0022-9370
minnesota statewide family network 14000 76091 https://www.regulations.gov/comment/CFPB-2016-0025-125995
minnesota statewide family network 14000 76091 https://www.regulations.gov/comment/CFPB-2016-0025-122121
minnesota statewide family network 14000 76091 https://www.regulations.gov/comment/CFPB-2013-0033-0309
retrouvaille orange coast 14128 34365 https://www.regulations.gov/comment/CFPB-2012-0028-2300
retrouvaille orange coast 14128 34365 https://www.regulations.gov/comment/CFPB-2012-0028-2279
university womens club university colorado boulder 14549 19953 https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_071816_130347_536946206490_1.pdf
d %>% arrange(marketcap2) %>% 
  dplyr::select(org_name, marketcap, comment_url) %>% kablebox()
org_name marketcap comment_url
pulse network 72,054 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67837_571547531696_1.pdf
capital financial 124,100 https://www.regulations.gov/comment/CFPB-2012-0037-0709
capital financial 124,100 https://www.regulations.gov/comment/CFPB-2013-0002-0819
sino green land 2.21M https://www.regulations.gov/comment/CFPB-2011-0008-1460
international monetary systems ltd wi 3.218M https://www.sec.gov/comments/s7-42-10/s74210-72.pdf
princeton capital 21.687M https://www.regulations.gov/comment/CFPB-2012-0028-0098
leading edge materials 26.453M https://www.federalreserve.gov/SECRS/2010/November/20101129/R-1394/R-1394_112410_55015_317409371219_1.pdf
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0396
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0588
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0681
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0610
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0688
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0661
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0625
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0642
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0693
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0649
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0581
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0647
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0616
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0037-0617
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2012-0028-2039
diversified mortgage workout 26.57M https://www.regulations.gov/comment/CFPB-2013-0018-0230
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0463
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0447
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0719
innovative medical services 33.145M https://www.regulations.gov/comment/CFPB-2013-0002-0519
impac mortgage 38.186M https://www.regulations.gov/comment/CFPB-2012-0028-1471
impac mortgage 38.186M https://www.regulations.gov/comment/CFPB-2013-0002-0095
anchor funding services 49.177M https://www.regulations.gov/comment/CFPB-2013-0002-0227
uwharrie capital 62.33M https://www.federalreserve.gov/SECRS/2011/February/20110225/R-1404/R-1404_021511_67515_559002055892_1.pdf
kish bancorp 94.847M https://www.federalreserve.gov/SECRS/2012/October/20121025/R-1442/R-1442_100212_108528_336832267431_1.pdf
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0410
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0330
guaranty federal bancshares 107.654M https://www.regulations.gov/comment/CFPB-2012-0037-0347
pine cliff energy 109.071M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31259
evolution petroleum 138.721M https://www.sec.gov/comments/s7-33-10/s73310-154.pdf
chesapeake financial shares 140.26M https://www.federalreserve.gov/SECRS/2011/February/20110211/R-1404/R-1404_020911_65081_472498544948_1.pdf
nacco industries 192.013M https://www.sec.gov/comments/s7-07-15/s70715-13.pdf
nacco industries 192.013M https://www.sec.gov/comments/s7-07-13/s70713-519.pdf
c f financial 194.245M https://www.regulations.gov/comment/CFPB-2013-0002-0401
capital product partners 214.31M https://www.sec.gov/comments/s7-06-13/s70613-283.htm
platinum group metals 227.963M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=46726
ocwen financial 268.503M https://www.sec.gov/comments/s7-14-11/s71411-473.pdf
ocwen financial 268.503M https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111546_566103309140_1.pdf
new age beverages 286.615M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=34207
new age beverages 286.615M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33938
new century bancorp 296.003M https://www.federalreserve.gov/SECRS/2012/December/20121227/R-1442/R-1442_102312_109651_379237477042_1.pdf
mid penn bancorp 307.95M https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1442/R-1442_102212_110348_381231834695_1.pdf
howard bancorp 377.341M https://www.federalreserve.gov/SECRS/2012/November/20121109/R-1442/R-1442_101812_109564_469922327785_1.pdf
first trustfiduciary asset management covered call fund 424.634M https://www.sec.gov/comments/s7-08-11/s70811-62.pdf
star gas partners 428.931M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31233
hometrust bancshares 462.328M https://www.federalreserve.gov/SECRS/2012/December/20121207/R-1442/R-1442_102212_110344_381230897153_1.pdf
hometrust bancshares 462.328M https://www.federalreserve.gov/SECRS/2013/April/20130425/R-1442/R-1442_102212_110162_353357949759_1.pdf
american vanguard 491.098M https://www.sec.gov/comments/s7-12-15/s71215-64.pdf
amark precious metals 552.356M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=29634
orchid island capital 620.222M https://www.regulations.gov/comment/CFPB-2012-0028-1252
federal home loan mortgage 702.065M https://www.federalreserve.gov/SECRS/2011/November/20111101/R-1417/R-1417_072211_84155_591648516501_1.pdf
camden national 706.893M https://www.federalreserve.gov/SECRS/2013/April/20130425/R-1442/R-1442_101912_109904_321344871020_1.pdf
spartan stores 711.031M https://www.federalreserve.gov/SECRS/2011/February/20110211/R-1404/R-1404_020911_64674_543494591143_1.pdf
cross country healthcare 711.511M https://www.regulations.gov/comment/CFPB-2013-0002-0256
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2014-0008-0025
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0050-0040
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0050-0099
moneygram international 880.745M https://www.regulations.gov/comment/CFPB-2012-0021-0025
moneygram international 880.745M https://www.federalreserve.gov/SECRS/2011/August/20110810/R-1419/R-1419_072211_84191_470498030225_1.pdf
drc resources corp fi 891.717M https://www.sec.gov/comments/s7-40-10/s74010-486.pdf
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27658
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27657
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60148
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27092
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26749
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48042
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33821
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33776
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33729
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33720
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33690
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33496
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33489
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33356
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33283
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33217
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33183
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33152
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33129
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33117
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33109
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33037
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33041
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33018
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33006
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32987
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32981
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32285
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31902
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31858
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31804
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31776
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31780
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31476
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31398
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31288
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31285
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=31132
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30849
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30732
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30662
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30648
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30611
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30598
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30402
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30317
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30289
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30271
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30238
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30244
individual investor 934.476M https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30237
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hysteryale materials handling 1.02B https://www.sec.gov/comments/s7-07-13/s70713-522.pdf
federal agricultural mortgage 1.05B https://www.federalreserve.gov/SECRS/2014/December/20141219/R-1415/R-1415_112414_129777_278796630714_1.pdf
brookline bancorp 1.196B https://www.federalreserve.gov/SECRS/2012/December/20121207/R-1442/R-1442_101912_109580_451039320834_1.pdf
enova international 1.204B https://www.regulations.gov/comment/CFPB-2016-0025-142788
world acceptance 1.222B https://www.regulations.gov/comment/CFPB-2016-0025-185032
redwood trust 1.388B https://www.sec.gov/comments/s7-14-11/s71411-179.pdf
redwood trust 1.388B https://www.federalreserve.gov/SECRS/2011/September/20110909/R-1411/R-1411_072811_84778_449537424519_1.pdf
federal national mortgage association fannie mae 1.436B https://www.sec.gov/comments/s7-38-11/s73811-16.pdf
federal national mortgage association fannie mae 1.436B https://www.sec.gov/comments/s7-18-11/s71811-37.pdf
federal national mortgage association fannie mae 1.436B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26207
federal national mortgage association 1.436B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27572
federal national mortgage association 1.436B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58100
federal national mortgage association 1.436B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47734
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2019-0022-9590
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2016-0020-4185
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2013-0033-0297
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2014-0010-0116
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2012-0005-0011
encore capital 1.465B https://www.regulations.gov/comment/CFPB-2011-0002-0478
weis markets 1.476B https://www.federalreserve.gov/SECRS/2011/February/20110211/R-1404/R-1404_020911_64668_543438496316_1.pdf
midwest grain products 1.495B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60251
peabody energy 1.546B https://www.sec.gov/comments/s7-39-10/s73910-57.pdf
peabody energy 1.546B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27911
peabody energy 1.546B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27912
peabody energy 1.546B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58785
nbt bancorp 1.575B https://www.sec.gov/comments/s7-45-10/s74510-796.pdf
portfolio recovery associates 1.839B https://www.regulations.gov/comment/CFPB-2013-0033-0290
portfolio recovery associates 1.839B https://www.regulations.gov/comment/CFPB-2012-0010-0025
portfolio recovery associates 1.839B https://www.regulations.gov/comment/CFPB-2011-0002-0479
genworth financial 1.862B https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111547_566105652875_1.pdf
fb financial 1.935B https://www.federalreserve.gov/SECRS/2011/July/20110727/R-1417/R-1417_072211_84647_378817771155_1.pdf
first midwest bancorp 2.102B https://www.federalreserve.gov/SECRS/2011/March/20110302/R-1404/R-1404_022211_67775_571061428613_1.pdf
world fuel services 2.137B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26158
chesapeake utilities 2.252B https://www.sec.gov/comments/s7-07-13/s70713-657.pdf
fuelcell energy 2.266B https://www.sec.gov/comments/s7-07-13/s70713-304.pdf
cavco industries 2.276B https://www.regulations.gov/comment/CFPB-2013-0018-0049
green dot 2.521B https://www.regulations.gov/comment/CFPB-2011-0002-0510
fulton financial 2.569B https://www.sec.gov/comments/s7-45-10/s74510-546.pdf
fulton financial 2.569B https://www.federalreserve.gov/SECRS/2011/February/20110225/R-1404/R-1404_021811_67636_570111097867_1.pdf
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2019-0021-0246
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2016-0039-0012
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2016-0025-148413
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2016-0020-4202
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2016-0020-4212
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2016-0038-1332
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0019-0119
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0028-0008
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0033-0050
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2013-0033-0229
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0008-0004
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0010-0047
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2014-0009-0047
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2011-0008-0697
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2012-0050-0063
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2013-0020-0008
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2013-0029-0005
international bancshares 2.709B https://www.regulations.gov/comment/CFPB-2011-0009-0013
international bancshares 2.709B https://www.sec.gov/comments/s7-08-13/s70813-8.pdf
international bancshares 2.709B https://www.sec.gov/comments/s7-12-15/s71215-16.pdf
international bancshares 2.709B https://www.sec.gov/comments/s7-07-15/s70715-23.pdf
international bancshares 2.709B https://www.sec.gov/comments/s7-07-13/s70713-383.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2017/February/20170213/R-1550/R-1550_011317_131682_551357243250_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2012/September/20120927/R-1438/R-1438_042412_107203_496715866848_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2011/May/20110519/R-1410/R-1410_051611_69690_537222626288_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_072116_130352_567245077295_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2011/July/20110713/R-1419/R-1419_071111_81830_315660931176_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2011/October/20111027/R-1404/R-1404_092711_87690_426422509143_1.pdf
international bancshares 2.709B https://www.federalreserve.gov/SECRS/2011/July/20110728/R-1417/R-1417_072111_83440_390680811860_1.pdf
first interstate bancsystem 2.815B https://www.federalreserve.gov/SECRS/2013/January/20130110/R-1442/R-1442_102212_110083_424519381898_1.pdf
signet jewelers 3.334B https://www.sec.gov/comments/s7-40-10/s74010-401.pdf
emergent biosolutions 3.366B https://www.sec.gov/comments/s7-07-13/s70713-443.pdf
pimco dynamic credit mortgage income fund 3.438B https://www.regulations.gov/comment/CFPB-2013-0002-0338
home bancshares 3.646B https://www.regulations.gov/comment/CFPB-2012-0028-0414
pnm resources 4.096B https://www.sec.gov/comments/s7-18-08/s71808-90.pdf
pnm resources 4.096B https://www.sec.gov/comments/s7-18-08/s71808-51.pdf
pnm resources 4.096B https://www.sec.gov/comments/s7-18-08/s71808-47.pdf
pnm resources 4.096B https://www.sec.gov/comments/s7-18-08/s71808-19.pdf
allison transmission 4.154B https://www.sec.gov/comments/s7-14-11/s71411-492.pdf
allison transmission 4.154B https://www.sec.gov/comments/s7-07-15/s70715-45.pdf
allison transmission 4.154B https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_110413_111570_588664892442_1.pdf
wintrust financial 4.32B https://www.federalreserve.gov/SECRS/2011/February/20110225/R-1404/R-1404_022211_67223_584129702231_1.pdf
portland general electric 4.477B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58884
pennymac financial services 4.519B https://www.regulations.gov/comment/CFPB-2012-0033-0025
pennymac financial services 4.519B https://www.regulations.gov/comment/CFPB-2012-0034-0020
umb financial 4.534B https://www.federalreserve.gov/SECRS/2011/February/20110214/R-1404/R-1404_020911_64343_548991805502_1.pdf
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hr block 4.538B https://www.federalreserve.gov/SECRS/2013/January/20130130/R-1442/R-1442_102212_110408_373448639133_1.pdf
alliance data systems 4.7B https://www.sec.gov/comments/s7-14-11/s71411-208.pdf
alliance data systems 4.7B https://www.federalreserve.gov/SECRS/2011/November/20111103/R-1411/R-1411_072911_84797_375986891303_1.pdf
mgic investment 4.964B https://www.federalreserve.gov/SECRS/2014/March/20140328/R-1411/R-1411_111813_111626_596797547130_1.pdf
glacier bancorp 5.089B https://www.regulations.gov/comment/CFPB-2014-0019-0309
national oilwell varco 5.396B https://www.sec.gov/comments/s7-40-10/s74010-134.pdf
chesapeake energy 5.566B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27653
chesapeake energy 5.566B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50020
chesapeake energy 5.566B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58084
woori finance 6.935B https://www.federalreserve.gov/SECRS/2013/January/20130115/R-1438/R-1438_011413_110944_532815582668_1.pdf
plains all american pipeline 7.066B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59951
plains all american pipeline 7.066B https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59664
first financial bankshares 7.136B https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1442/R-1442_090612_108294_324561858079_1.pdf
first financial bankshares 7.136B https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1442/R-1442_090612_108298_324562326853_1.pdf
first financial bankshares 7.136B https://www.federalreserve.gov/SECRS/2012/September/20120927/R-1442/R-1442_091912_108358_403478856214_1.pdf
first financial bankshares 7.136B https://www.federalreserve.gov/SECRS/2012/October/20121009/R-1442/R-1442_092212_108564_557546419505_1.pdf
cullenfrost bankers 7.357B https://www.federalreserve.gov/SECRS/2012/April/20120426/R-1438/R-1438_042312_107200_438971544437_1.pdf
cullenfrost bankers 7.357B https://www.federalreserve.gov/SECRS/2011/April/20110427/R-1413/R-1413_042611_69540_555577145315_1.pdf
cullenfrost bankers 7.357B https://www.federalreserve.gov/SECRS/2012/November/20121119/R-1442/R-1442_101712_109043_366108327732_1.pdf
royal gold 7.492B https://www.sec.gov/comments/s7-33-10/s73310-153.pdf
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-0523
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-0538
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-0628
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1049
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1122
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1193
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1173
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1220
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1171
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1372
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1539
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1544
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-1498
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-2721
old republic international 7.662B https://www.regulations.gov/comment/CFPB-2012-0028-2790
united states steel 7.745B https://www.sec.gov/comments/s7-40-10/s74010-185.pdf
first horizon national 8.787B https://www.regulations.gov/comment/CFPB-2012-0010-0034
first horizon national 8.787B https://www.federalreserve.gov/SECRS/2014/August/20140819/R-1492/R-1492_081114_129579_426050639886_1.pdf
first horizon national 8.787B https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1438/R-1438_043012_107225_618373627698_1.pdf
d %>% arrange(-MeanContribAmount) %>% 
  dplyr::select(org_name, MeanContribAmount, comment_url) %>% kablebox()
org_name MeanContribAmount comment_url
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us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-234.pdf
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us chamber commerce 85367724 https://www.sec.gov/comments/s7-03-13/s70313-43.pdf
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us chamber commerce 85367724 https://www.sec.gov/comments/s7-41-11/s74111-21.pdf
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us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-565.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-31-10/s73110-47.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-752.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-13/s70713-969.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-742.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-13-11/s71311-17.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-13-11/s71311-11.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-15/s71215-29.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-15/s70715-26.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-12-11/s71211-698.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-07-13/s70713-567.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-372.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-558.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-14-11/s71411-281.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-421.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-06-13/s70613-337.pdf
us chamber commerce 85367724 https://www.sec.gov/comments/s7-40-10/s74010-276.pdf
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depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50528
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50605
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50530
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50600
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50527
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44686
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44685
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50601
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50526
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58154
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58155
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27621
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27622
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47877
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58117
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60520
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50604
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50529
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44687
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=175
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27938
depository trust clearing 1603333 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26453
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2014-0008-0034
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2014-0003-0005
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2012-0050-0111
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2011-0008-0274
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2011-0009-0097
clearing house 1449500 https://www.regulations.gov/comment/CFPB-2011-0002-0461
clearing house 1449500 https://www.sec.gov/comments/s7-12-11/s71211-773.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2016/August/20160829/R-1537/R-1537_080516_130419_430529589163_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130415_401541141744_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2016/August/20160811/R-1534/R-1534_060316_130304_375681878754_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2017/May/20170511/R-1537/R-1537_040317_131771_388175330866_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2014/August/20140813/R-1489/R-1489_070814_129556_332251404945_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2012/February/20120216/R-1432/R-1432_021312_105299_362705268956_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2014/May/20140501/R-1477/OP-1478_033114_112203_581708330980_1.pdf
clearing house 1449500 https://www.federalreserve.gov/SECRS/2013/May/20130515/R-1455/R-1455_042613_111085_560436463532_1.pdf
federal home loan bank 1446450 https://www.federalreserve.gov/SECRS/2011/April/20110405/R-1405/R-1405_033011_69274_589558219517_1.pdf
nera economic consulting 1180000 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57015
american resort development assn 1165000 https://www.regulations.gov/comment/CFPB-2013-0033-0276
american resort development assn 1165000 https://www.regulations.gov/comment/CFPB-2012-0029-0087
american resort development assn 1165000 https://www.regulations.gov/comment/CFPB-2012-0028-2377
american resort development assn 1165000 https://www.sec.gov/comments/s7-24-10/s72410-23.pdf
american resort development assn 1165000 https://www.sec.gov/comments/s7-08-10/s70810-48.pdf

Efficacy

File: Data/attachment_efficacy_w_docket.csv.

Variables:

  • efficacy = cumulative_sequence_length_over_10

Other efficacy measures that we are not using:

  • number_of_other_sequences_over_10
  • number_of_other_sequences_over_25
  • number_of_other_sequences_over_50
  • number_of_other_sequences_over_100
  • cumulative_sequence_length_over_10
  • cumulative_sequence_length_over_25
  • cumulative_sequence_length_over_50
  • cumulative_sequence_length_over_100
  • longest_sequence_length
  • longest_repeated_text
# efficacy
efficacy_raw <- read_csv( here::here("data", "new_attachment_efficacy_w_docket.csv")  %>% str_remove("finreg")  )

# inspect 
# efficacy_raw %>% distinct() %>% dplyr::select(attachment_url, fr_document_id_final) %>% add_count(attachment_url) %>% arrange(-n) %>%   kablebox()

# # look for non-numeric values other than headers
# efficacy_raw %>% 
#   filter(!is.na(cumulative_sequence_length_over_10),
#          comment_url != "comment_url") %>% 
#   mutate(efficacy = cumulative_sequence_length_over_10 %>% as.numeric() ) %>% 
#   filter(is.na(efficacy)) %>% 
#   dplyr::select(comment_url, cumulative_sequence_length_over_10)

# select needed vars. url is comment url (even for attachments)
efficacy <- efficacy_raw %>% 
  # make comment url 
  mutate(comment_url2 = attachment_url %>% 
           str_replace("https://downloads.regulations.gov/", 
                       "https://www.regulations.gov/comment/" ) %>% 
           str_remove("/attachment_.*"),
         comment_url = coalesce(comment_url, comment_url2),
         efficacy = cumulative_sequence_length_over_10 %>% as.numeric()
         ) %>% 
  dplyr::select(comment_url,
         efficacy) %>% 
  distinct() 

# check for OCC comments (missing as of May 2022)
# efficacy %>% filter(str_detect(comment_url, "OCC"))

# check for CFPB comments (not missing, but failing to merge with d on URL?)
# efficacy %>% filter(str_detect(comment_url, "CFPB"))



efficacy %<>% drop_na(efficacy) 


# take max
efficacy %<>% 
  group_by(comment_url) %>% 
  summarise_all(base::max)

efficacy %>% arrange(-efficacy) %>% kablebox()
comment_url efficacy
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23750 62158
https://www.regulations.gov/comment/CFPB-2012-0029-0054 46512
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 10131
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 10131
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24275 7593
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24205 7411
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 7312
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 5809
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 5563
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25016 4965
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 4886
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23733 4710
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 4687
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 4482
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23871 4445
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24090 4445
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 4409
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 4204
https://www.regulations.gov/comment/CFPB-2016-0025-154512 3794
https://www.regulations.gov/comment/CFPB-2016-0025-185182 3794
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 3653
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25113 3402
https://www.regulations.gov/comment/CFPB-2014-0033-0119 3366
https://www.regulations.gov/comment/CFPB-2014-0033-0136 3202
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 3083
https://www.regulations.gov/comment/CFPB-2016-0025-109324 3000
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23870 2656
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24092 2656
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 2597
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 2587
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 2538
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 2479
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21986 2443
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 2398
https://www.regulations.gov/comment/CFPB-2014-0033-0128 2394
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21658 2384
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 2382
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24076 2330
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 2286
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 2273
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 2269
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 2268
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 2261
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 2239
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27812 2175
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 2112
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23880 1966
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24163 1966
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 1958
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 1947
https://www.regulations.gov/comment/CFPB-2013-0010-0071 1943
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 1938
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 1930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21544 1920
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 1919
https://www.regulations.gov/comment/CFPB-2016-0020-4931 1919
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24144 1903
https://www.regulations.gov/comment/CFPB-2016-0020-5831 1899
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 1897
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 1891
https://www.regulations.gov/comment/CFPB-2016-0025-142091 1870
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 1841
https://www.regulations.gov/comment/CFPB-2014-0019-0258 1824
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21983 1804
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 1802
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27820 1768
https://www.regulations.gov/comment/CFPB-2016-0025-142779 1761
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23971 1745
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24124 1745
https://www.regulations.gov/comment/CFPB-2014-0033-0132 1720
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 1718
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21913 1709
https://www.regulations.gov/comment/CFPB-2016-0025-142821 1697
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 1681
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 1641
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 1618
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25009 1614
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21920 1535
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 1507
https://www.regulations.gov/comment/CFPB-2013-0018-0274 1498
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 1478
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 1475
https://www.regulations.gov/comment/CFPB-2012-0034-0146 1448
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24215 1441
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 1431
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 1423
https://www.regulations.gov/comment/CFPB-2016-0025-9512 1416
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 1410
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 1407
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 1406
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22336 1395
https://www.regulations.gov/comment/CFPB-2012-0034-0144 1393
https://www.regulations.gov/comment/CFPB-2016-0020-4294 1385
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21719 1378
https://www.regulations.gov/comment/CFPB-2016-0025-186590 1334
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 1326
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24184 1312
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 1308
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 1301
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 1293
https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf 1290
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 1283
https://www.sec.gov/comments/s7-18-11/s71811-38.pdf 1280
https://www.sec.gov/comments/s7-41-11/s74111-291.pdf 1279
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23287 1273
https://www.sec.gov/comments/s7-16-11/s71611-43.pdf 1273
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24262 1266
https://www.regulations.gov/comment/CFPB-2013-0018-0069 1264
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23927 1263
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24165 1263
https://www.sec.gov/comments/s7-25-10/s72510-80.pdf 1263
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_104987_420899667517_1.pdf 1249
https://www.regulations.gov/comment/CFPB-2014-0033-0131 1243
https://www.regulations.gov/comment/CFPB-2016-0025-142467 1240
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24156 1232
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23876 1228
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24189 1228
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24795 1223
https://www.regulations.gov/comment/CFPB-2016-0025-142684 1217
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24257 1211
https://www.sec.gov/comments/s7-41-11/s74111-260.pdf 1203
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24164 1201
https://www.sec.gov/comments/s7-18-11/s71811-49.pdf 1196
https://www.regulations.gov/comment/CFPB-2016-0025-162471 1188
https://www.regulations.gov/comment/CFPB-2016-0025-164416 1188
https://www.sec.gov/comments/s7-41-11/s74111-267.pdf 1188
https://www.sec.gov/comments/s7-41-11/s74111-269.pdf 1185
https://www.sec.gov/comments/s7-25-11/s72511-18.pdf 1183
https://www.sec.gov/comments/s7-41-11/s74111-297.pdf 1174
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104992_420900761288_1.pdf 1173
https://www.federalreserve.gov/SECRS/2012/April/20120413/R-1432/R-1432_021312_104934_522411058588_1.pdf 1170
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105396_439624570777_1.pdf 1163
https://www.regulations.gov/comment/CFPB-2013-0002-0734 1161
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf 1158
https://www.regulations.gov/comment/CFPB-2012-0037-0702 1153
https://www.sec.gov/comments/s7-08-10/s70810-209.pdf 1148
https://www.sec.gov/comments/s7-45-10/s74510-586.pdf 1145
https://www.regulations.gov/comment/CFPB-2016-0020-1103 1142
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21384 1131
https://www.regulations.gov/comment/CFPB-2014-0033-0071 1130
https://www.sec.gov/comments/s7-25-10/s72510-39.pdf 1127
https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf 1117
https://www.sec.gov/comments/s7-41-11/s74111-526.pdf 1108
https://www.regulations.gov/comment/CFPB-2014-0033-0134 1107
https://www.sec.gov/comments/s7-35-10/s73510-44.pdf 1106
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21081 1102
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24802 1099
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf 1099
https://www.sec.gov/comments/s7-18-11/s71811-25.pdf 1099
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24001 1087
https://www.regulations.gov/comment/CFPB-2016-0020-3937 1086
https://www.regulations.gov/comment/CFPB-2016-0020-5829 1086
https://www.regulations.gov/comment/CFPB-2012-0034-0098 1084
https://www.regulations.gov/comment/CFPB-2012-0034-0163 1084
https://www.federalreserve.gov/SECRS/2014/July/20140707/R-1487/R-1487_061314_129534_554633201234_1.pdf 1082
https://www.regulations.gov/comment/CFPB-2016-0020-3941 1069
https://www.regulations.gov/comment/CFPB-2012-0029-0088 1047
https://www.federalreserve.gov/SECRS/2011/March/20110304/R-1404/R-1404_022211_67810_571316902268_1.pdf 1034
https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130415_401541141744_1.pdf 1033
https://www.regulations.gov/comment/CFPB-2012-0033-0065 1032
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23952 1031
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24173 1031
https://www.sec.gov/comments/s7-41-11/s74111-280.pdf 1030
https://www.regulations.gov/comment/CFPB-2011-0006-0006 1013
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25355 1008
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf 1006
https://www.sec.gov/comments/s7-33-10/s73310-253.pdf 999
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23911 992
https://www.regulations.gov/comment/CFPB-2014-0033-0089 992
https://www.sec.gov/comments/s7-03-15/s70315-6.pdf 989
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23916 984
https://www.sec.gov/comments/s7-08-11/s70811-16.pdf 979
https://www.sec.gov/comments/s7-34-10/s73410-29.pdf 969
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf 968
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27748 967
https://www.federalreserve.gov/SECRS/2012/March/20120322/R-1432/R-1432_030912_106460_371012895059_1.pdf 958
https://www.regulations.gov/comment/CFPB-2016-0025-143973 952
https://www.sec.gov/comments/s7-45-10/s74510-634.pdf 952
https://www.sec.gov/comments/s7-39-10/s73910-25.pdf 951
https://www.sec.gov/comments/s7-42-10/s74210-18.pdf 945
https://www.sec.gov/comments/s7-07-13/s70713-572.pdf 943
https://www.federalreserve.gov/SECRS/2014/May/20140520/R-1477/R-1477_033114_112202_573872574694_1.pdf 939
https://www.regulations.gov/comment/CFPB-2016-0020-1477 939
https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf 938
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23914 935
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21392 930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23322 929
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23289 928
https://www.sec.gov/comments/s7-16-11/s71611-46.pdf 928
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24079 925
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21091 924
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24249 921
https://www.regulations.gov/comment/CFPB-2013-0018-0265 917
https://www.sec.gov/comments/s7-41-11/s74111-454.pdf 903
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25665 898
https://www.sec.gov/comments/s7-13-11/s71311-57.pdf 895
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22013 890
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24084 888
https://www.sec.gov/comments/s7-44-10/s74410-9.pdf 887
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67641_571589563753_1.pdf 883
https://www.regulations.gov/comment/CFPB-2014-0033-0122 883
https://www.sec.gov/comments/s7-40-10/s74010-52.pdf 881
https://www.regulations.gov/comment/CFPB-2016-0025-142151 880
https://www.sec.gov/comments/s7-33-10/s73310-301.pdf 875
https://www.regulations.gov/comment/CFPB-2012-0029-0109 873
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23928 871
https://www.sec.gov/comments/s7-41-11/s74111-362.pdf 871
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23965 868
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24141 868
https://www.federalreserve.gov/SECRS/2013/March/20130312/R-1442/R-1442_102212_110338_429542797322_1.pdf 865
https://www.federalreserve.gov/SECRS/2011/April/20110404/R-1405/R-1405_033011_69263_589498687124_1.pdf 864
https://www.regulations.gov/comment/CFPB-2012-0021-0024 858
https://www.regulations.gov/comment/CFPB-2011-0008-1003 857
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67218_584088138933_1.pdf 856
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25626 851
https://www.sec.gov/comments/s7-03-15/s70315-5.pdf 847
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105540_519234056703_1.pdf 846
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24391 844
https://www.sec.gov/comments/s7-08-10/s70810-220.pdf 843
https://www.sec.gov/comments/s7-42-10/s74210-15.pdf 843
https://www.federalreserve.gov/SECRS/2012/May/20120511/R-1432/R-1432_021312_105407_439624727030_1.pdf 836
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21755 832
https://www.regulations.gov/comment/CFPB-2016-0025-142727 831
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25625 829
https://www.sec.gov/comments/s7-08-11/s70811-18.pdf 829
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21984 828
https://www.regulations.gov/comment/CFPB-2014-0024-0030 827
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24181 825
https://www.sec.gov/comments/s7-40-10/s74010-114.pdf 821
https://www.sec.gov/comments/s7-41-11/s74111-463.pdf 821
https://www.regulations.gov/comment/CFPB-2013-0018-0092 820
https://www.sec.gov/comments/s7-39-10/s73910-51.pdf 820
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24073 817
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24316 817
https://www.sec.gov/comments/s7-41-11/s74111-248.pdf 817
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130418_401541610117_1.pdf 814
https://www.regulations.gov/comment/CFPB-2013-0018-0111 812
https://www.sec.gov/comments/s7-34-10/s73410-21.pdf 805
https://www.sec.gov/comments/s7-41-11/s74111-288.pdf 805
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24088 803
https://www.sec.gov/comments/s7-08-11/s70811-28.pdf 802
https://www.regulations.gov/comment/CFPB-2016-0025-187768 799
https://www.sec.gov/comments/s7-25-10/s72510-41.pdf 799
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22810 794
https://www.regulations.gov/comment/CFPB-2011-0008-1406 792
https://www.sec.gov/comments/s7-41-11/s74111-204.pdf 786
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_104984_362706050221_1.pdf 785
https://www.regulations.gov/comment/CFPB-2012-0050-0063 783
https://www.sec.gov/comments/s7-18-11/s71811-42.pdf 783
https://www.sec.gov/comments/s7-40-10/s74010-282.pdf 781
https://www.sec.gov/comments/s7-40-10/s74010-417.pdf 781
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24779 780
https://www.regulations.gov/comment/CFPB-2012-0037-0175 780
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21946 774
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24125 773
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_105536_519233275438_1.pdf 772
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24046 770
https://www.sec.gov/comments/s7-45-10/s74510-392.pdf 767
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24378 761
https://www.sec.gov/comments/s7-35-10/s73510-37.pdf 760
https://www.federalreserve.gov/SECRS/2012/April/20120417/R-1432/R-1432_021312_104701_532360984930_1.pdf 756
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23288 755
https://www.federalreserve.gov/SECRS/2011/April/20110411/R-1404/R-1404_040811_69317_547519238516_1.pdf 755
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_105296_362704800197_1.pdf 752
https://www.sec.gov/comments/s7-18-11/s71811-48.pdf 750
https://www.regulations.gov/comment/CFPB-2012-0021-0012 749
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22379 748
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24394 744
https://www.regulations.gov/comment/CFPB-2014-0019-0094 744
https://www.regulations.gov/comment/CFPB-2016-0025-199512 740
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_020312_88722_467837576602_1.pdf 738
https://www.sec.gov/comments/s7-41-11/s74111-105.pdf 738
https://www.sec.gov/comments/s7-45-10/s74510-357.pdf 736
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22765 731
https://www.sec.gov/comments/s7-40-10/s74010-93.pdf 730
https://www.regulations.gov/comment/CFPB-2016-0025-142716 728
https://www.sec.gov/comments/s7-40-10/s74010-128.pdf 728
https://www.regulations.gov/comment/CFPB-2011-0003-0009 722
https://www.sec.gov/comments/s7-18-11/s71811-44.pdf 721
https://www.regulations.gov/comment/CFPB-2016-0020-2974 718
https://www.regulations.gov/comment/CFPB-2016-0020-3960 718
https://www.regulations.gov/comment/CFPB-2016-0020-6172 718
https://www.sec.gov/comments/s7-16-11/s71611-27.pdf 714
https://www.sec.gov/comments/s7-18-11/s71811-39.pdf 714
https://www.sec.gov/comments/s7-25-11/s72511-16.pdf 713
https://www.regulations.gov/comment/CFPB-2013-0010-0070 712
https://www.regulations.gov/comment/CFPB-2012-0034-0161 711
https://www.regulations.gov/comment/CFPB-2013-0018-0269 711
https://www.regulations.gov/comment/CFPB-2016-0025-143313 705
https://www.sec.gov/comments/s7-08-10/s70810-213.pdf 705
https://www.regulations.gov/comment/CFPB-2014-0008-0026 703
https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf 699
https://www.regulations.gov/comment/CFPB-2014-0033-0083 695
https://www.sec.gov/comments/s7-45-10/s74510-524.pdf 695
https://www.regulations.gov/comment/CFPB-2016-0025-143966 690
https://www.regulations.gov/comment/CFPB-2016-0025-145307 690
https://www.sec.gov/comments/s7-18-11/s71811-56.pdf 689
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24777 686
https://www.sec.gov/comments/s7-45-10/s74510-585.pdf 684
https://www.federalreserve.gov/SECRS/2012/November/20121115/R-1443/R-1443_101512_108743_442533955570_1.pdf 683
# d$comment_url %in% efficacy$comment_url %>% sum

# efficacy$comment_url %in% d$comment_url %>% sum

#efficacy %>% filter(str_detect(comment_url, "CFPB")) %>%  kablebox()

d  %<>% left_join(efficacy) 

d %>% group_by(Agency) %>% count(is.na(efficacy))
## # A tibble: 9 × 3
## # Groups:   Agency [5]
##   Agency `is.na(efficacy)`     n
##   <chr>  <lgl>             <int>
## 1 CFPB   FALSE              2893
## 2 CFPB   TRUE               8920
## 3 CFTC   TRUE               3087
## 4 FRS    FALSE               902
## 5 FRS    TRUE               2481
## 6 NCUA   FALSE                 9
## 7 NCUA   TRUE                 69
## 8 SEC    FALSE              1213
## 9 SEC    TRUE               1778
# check number of NAs 
bluebook_comments %>%
  summarise_all(is.na) %>%
  summarise_all(sum)

# multiple per url? 
bluebook_comments %>%  count(comment_url, sort = T)

bluebook_attachments %>%  count(comment_url, sort = T)

# example
bluebook_attachments %>% filter(comment_url == "https://www.regulations.gov/comment/OCC-2011-0008-0126") %>% kablebox()

bluebook_comments %>% filter(comment_url == "https://www.regulations.gov/comment/OCC-2011-0008-0126") %>% kablebox()

technical_terms_comments %>% count(comment_url, sort = T)

technical_terms_attachments %>% count(comment_url, sort = T)

Join sophistication and asset data

# Join 
d %<>% 
  left_join(bluebook %>% dplyr::select(comment_url, Total_Legal_Citations)) %>% 
  left_join(technical_terms %>% dplyr::select(comment_url, dictionary_terms)) 

d %>% 
  dplyr::select(comment_url, org_name, Total_Legal_Citations, dictionary_terms, assets, marketcap, MeanContribAmount) %>% 
  filter(!is.na(dictionary_terms)) %>% 
  kablebox()
comment_url org_name Total_Legal_Citations dictionary_terms assets marketcap MeanContribAmount
https://www.regulations.gov/comment/CFPB-2016-0025-211929 united states senate 0 0 607993699 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1645 keller williams realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1637 keller williams realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1643 associates realty 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1635 ebby halliday realtors 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1641 town country bank missouri 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0037 california credit union league 0 0 17811333 NA 109357.80
https://www.regulations.gov/comment/CFPB-2016-0025-211685 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211675 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211674 national call center 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211821 texas hereford association 0 0 88213 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211828 civil justice 0 0 700211 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211822 bank forest 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211877 acf 2012 host committee 0 0 25558 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211870 civil justice 0 0 700211 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211869 colorado state university 0 0 NA NA 289000.00
https://www.regulations.gov/comment/CFPB-2016-0025-211871 axcess financial services 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211880 florida house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211876 bank forest 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211873 housing initiative partnership 0 0 1320283 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211879 covering kids families indiana 0 0 200003 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211911 germania credit union 0 0 11242319 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0009 peoples financial realty mortgage securities 20061 0 40 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0010 peoples financial realty mortgage securities 20061 0 22 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0008 peoples financial realty mortgage securities 20061 0 66 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0006 peoples financial realty mortgage securities 20061 0 5 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0013 peoples financial realty mortgage securities 20061 0 39 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0012 peoples financial realty mortgage securities 20061 0 25 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0014 peoples financial realty mortgage securities 20061 0 4 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211922 center public justice 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0016 american escrow association 0 0 203188 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0017 peoples financial realty mortgage securities 20061 0 9 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0021 american pacific bank 0 65 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0023 iowa bankers association 0 0 9939509 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0022 real estate services providers council 0 1 653451 NA 43775.00
https://www.regulations.gov/comment/CFPB-2017-0018-0024 union planters home equity 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0026 national association home builders united states 0 10 105827166 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0047 alaska usa federal credit union 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0041 american escrow association 0 2 203188 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0034 american land title association 0 5 10519520 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0038 texas mortgage bankers association 0 2 1493337 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0045 ohio credit union league 0 0 425742 NA 109357.80
https://www.regulations.gov/comment/CFPB-2017-0018-0032 vanderbilt mortgage finance 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0031 independent community bankers america 0 1 100476445 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0049 national consumer law center 0 0 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0035 american bankers association 0 10 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0040 national consumer law center 0 8 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0039 american bankers association 0 1 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0046 national association home builders united states 0 0 105827166 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0037 national association realtors 0 1 258251232 NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0050 national consumer law center 0 0 17440205 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-211928 adventist community services north america 0 0 2522436 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208913 long island council churches 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0020-6452 california state senate 0 103 NA NA 105000.00
https://www.regulations.gov/comment/CFPB-2016-0020-6450 bethpage federal credit union 0 197 NA NA 136666.67
https://www.regulations.gov/comment/CFPB-2016-0020-6468 united fidelity finance 0 93 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0005 reliance bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0007 iowa bankers association 0 0 9939509 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0010 wisconsin credit union league 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0011 independent bankers association texas 0 0 5567150 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0020 oahu league hawaii youth soccer 0 71 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0015 iowa credit union league 0 2 19309815 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0017 village bank 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0016 american bankers association 0 3 129958383 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0031 texas mortgage bankers association 0 0 1493337 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0022 southern heritage bank 0 3 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0025 league southeastern credit unions 0 1 6631576 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0033 citizens national bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0030 consumer mortgage coalition 0 12 325391 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0034 first harrison bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0036 nevada credit union league 0 0 318177 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0026 illinois credit union league 0 0 5617070 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0035 cooperative credit union association 0 0 4475694 NA NA
https://www.regulations.gov/comment/CFPB-2017-0021-0027 community bankers association illinois 0 18 4797997 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208914 americans financial reform 0 0 NA NA 20000.00
https://www.regulations.gov/comment/CFPB-2017-0018-0002 national residential nominee services 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2017-0018-0004 university bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208722 check cash 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208723 california reinvestment coalition 0 0 1163000 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208724 leadership conference on civil human rights 0 0 1324663 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208725 mississippi house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208728 florida state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208729 mississippi state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208734 mississippi house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208738 wisconsin state assembly 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208744 mississippi state senate 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208736 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208733 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208740 alcoholics anonymous cleveland dist office 0 0 271474 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208743 michigan house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208735 illinois general assembly 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208732 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208739 georgia house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208742 veterans foreign wars department florida 0 0 1291158 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208731 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208745 south carolina house representatives 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208746 acce institute 0 0 806378 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208809 alden state bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208788 jews united justice 0 0 272773 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208830 matagorda county credit union 0 0 23670988 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208842 heritage christian academyparent teacher fellowship 0 0 115094 NA NA
https://www.regulations.gov/comment/CFPB-2016-0020-6284 dollar rent car 0 127 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0020-6291 national congress american indians 0 15 1472797 NA NA
https://www.regulations.gov/comment/CFPB-2016-0020-6290 am auto sales 0 4 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208912 americans financial reform 0 0 NA NA 20000.00
https://www.regulations.gov/comment/CFPB-2016-0020-6390 structured finance industry 1 2314 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-208911 veritec solutions 0 0 NA NA 87666.67
https://www.regulations.gov/comment/CFPB-2016-0020-6391 americans financial reform 1 371 NA NA 20000.00
https://www.regulations.gov/comment/CFPB-2016-0025-144136 community grace lutheran church 0 122 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144141 lebanon presbyterian church cemetery 0 121 1500725 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144140 instant cash services 0 233 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144150 buckeye check cashing 0 418 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144138 first congregational church 0 37 284322 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144139 friends hanover schools 0 513 42412 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144137 express check services 0 43 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144133 check cash 0 1139 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144135 community choice 0 1615 719754 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144167 kemba financial credit union 0 148 663289143 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144169 center financial education 0 112 55086 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1614 commercial mortgage resources 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1616 utah bankers assn 0 0 965240 NA 144489.49
https://www.regulations.gov/comment/CFPB-2016-0038-1613 cirrus lender services 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0009 corelogic national background data 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1608 colonial savings fa 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1611 iowa bankers association 0 0 9939509 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1607 risk management association 0 0 27358153 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1610 wolters kluwer financial services 0 0 NA NA 136666.67
https://www.regulations.gov/comment/CFPB-2016-0038-1606 pennsylvania credit union association 0 0 12822395 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1609 farmers merchants bank long beach 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0028 national independent automobile dealers association foundation 0 0 436090 NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0018 consumer data industry association 0 1 3858601 NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0020 alaska usa federal credit union 0 4 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1623 meridian title escrow 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0014 consumer mortgage coalition 0 21 325391 NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0017 electronic transactions association 0 142 3179655 NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1624 first bank south 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1618 columbia bank 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0038-1622 meridian title escrow 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0012 international bancshares 0 1 NA 2.709B NA
https://www.regulations.gov/comment/CFPB-2016-0039-0019 american bar association 1 19 239942508 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144223 cash express 0 29 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144204 virginia organizing 0 19 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144228 south carolina appleseed legal justice center 0 1260 3478065 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144206 virginia organizing 0 25 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144208 virginia organizing 0 25 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144200 piedmont financial co inc nc adv 0 210 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144189 cash express 0 12 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144196 cash express 0 108 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144209 virginia organizing 0 20 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144205 virginia organizing 0 23 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144188 cash express 0 65 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144210 hip housing development 0 161 11847313 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144225 cash express 0 7 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144186 cash express 0 17 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144178 cash express 0 11 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144207 virginia organizing 0 20 2958477 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144195 cash express 0 33 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144194 cash express 0 10 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144192 cash express 0 121 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144197 cash express 0 7 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144177 cash express 0 19 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144187 cash express 0 66 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144226 league southeastern credit unions 0 862 6631576 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144190 cash express 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144191 cash express 0 10 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144203 amscot financial 0 29 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144179 cash express 0 56 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144193 cash express 0 39 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0039-0029 grand court order amaranth commonwealth massachusetts 0 0 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144248 farmville area community emergency services 0 19 83991 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144246 amscot financial 0 252 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144249 interdenominational ministerial alliance greater pasadena 0 131 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144287 oklahoma house representatives 0 90 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144292 oklahoma house representatives 0 69 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144307 amscot financial 0 13 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144297 step up savannah 0 234 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144304 cash express 0 15 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144288 oklahoma house representatives 0 74 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144308 amscot financial 0 9 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144305 cash express 0 10 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144290 oklahoma house representatives 0 60 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144309 amscot financial 0 12 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144293 independent finance institute 0 238 181319 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144251 national council la raza 0 31 56306564 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144306 union state bank 0 202 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144310 amscot financial 0 41 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144311 amscot financial 0 27 NA NA 293333.33
https://www.regulations.gov/comment/CFPB-2016-0025-144286 coastal federal credit union 0 165 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144295 wisconsin state assembly 0 87 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144289 oklahoma house representatives 0 59 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144303 cash express 0 10 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144291 oklahoma house representatives 0 78 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144253 cash express 0 16 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144302 cash express 0 37 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144323 texas house representatives 0 78 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144338 oklahoma house representatives 0 110 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144320 hebrew free loan society 0 255 20458961 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144346 advance financial 0 0 147073247 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144358 advance financial 0 5 147073247 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144347 lebanon presbyterian church cemetery 0 31 1500725 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144357 advance financial 0 2 147073247 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144355 advance financial 0 0 147073247 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144354 advance financial 0 1 147073247 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144387 city jersey city nj 0 80 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144388 south carolina house representatives 0 78 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144397 maryland house delegates 0 149 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144389 mississippi state senate 0 65 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144385 mississippi house representatives 0 65 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144390 mississippi house representatives 0 71 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144395 indiana house representatives 0 77 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144386 national association advancement colored people 0 121 24138 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144392 north carolina house representatives 0 157 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144394 wisconsin state senate 0 66 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144396 mississippi state senate 0 85 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144506 empire justice center 1 128 1963930 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144560 central savings loan association 0 96 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144687 axcess financial services 0 2176 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144686 axcess financial services 0 819 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144734 axcess financial services 0 1172 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144713 axcess financial services 0 2300 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144690 axcess financial services 0 2074 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144685 axcess financial services 0 1944 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144733 axcess financial services 0 2106 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144747 axcess financial services 0 2185 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144727 axcess financial services 0 1991 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144710 axcess financial services 0 2161 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144730 axcess financial services 0 2178 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144722 axcess financial services 0 2057 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144694 axcess financial services 1 2058 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144732 axcess financial services 0 1434 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144715 axcess financial services 0 1945 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144698 axcess financial services 0 1881 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144739 axcess financial services 0 2118 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144749 axcess financial services 0 590 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144711 axcess financial services 0 1951 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144740 axcess financial services 0 1887 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144708 axcess financial services 0 1951 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144693 axcess financial services 0 2029 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144760 axcess financial services 0 2109 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144612 axcess financial services 0 549 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144723 axcess financial services 0 2079 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144706 axcess financial services 0 1518 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144718 axcess financial services 0 2167 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144691 axcess financial services 0 1011 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144763 axcess financial services 0 2262 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144726 axcess financial services 0 2044 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144602 axcess financial services 0 1302 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144709 axcess financial services 0 2061 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144753 axcess financial services 0 2026 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144729 axcess financial services 0 1733 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144721 axcess financial services 0 2104 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144607 axcess financial services 0 1058 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144705 axcess financial services 0 2023 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144735 axcess financial services 0 2050 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144714 axcess financial services 0 2017 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144697 axcess financial services 0 2088 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144738 axcess financial services 0 1666 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144748 axcess financial services 0 2125 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144598 axcess financial services 0 853 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144728 axcess financial services 0 2098 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144689 axcess financial services 0 2003 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144695 axcess financial services 0 1607 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144741 axcess financial services 0 1801 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144716 axcess financial services 0 1816 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144699 axcess financial services 0 2019 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144600 axcess financial services 0 612 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144750 axcess financial services 0 2122 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144761 axcess financial services 0 2212 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144724 axcess financial services 0 2096 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144707 axcess financial services 0 1871 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144692 axcess financial services 0 1999 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144610 axcess financial services 0 752 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144759 axcess financial services 0 1696 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144754 axcess financial services 0 2179 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144608 axcess financial services 0 878 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144736 axcess financial services 0 2136 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144696 axcess financial services 0 1957 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144742 axcess financial services 0 2056 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144717 axcess financial services 0 710 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144762 axcess financial services 0 2216 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144700 axcess financial services 0 1992 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144725 axcess financial services 0 2074 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144755 axcess financial services 0 2104 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144751 axcess financial services 0 972 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144737 axcess financial services 0 2261 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144601 axcess financial services 0 1440 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144743 axcess financial services 0 1935 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144701 axcess financial services 0 2082 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144752 axcess financial services 0 2096 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144720 axcess financial services 0 2057 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144703 axcess financial services 0 1975 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144744 axcess financial services 0 2053 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144704 axcess financial services 0 2102 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144745 axcess financial services 0 2044 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144746 axcess financial services 0 2260 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144775 illinois state senate 0 100 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144808 center responsible lending 0 30 4205309 NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144769 dfc global 0 1 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144780 arkansas attorney general 0 490 NA NA NA
https://www.regulations.gov/comment/CFPB-2016-0025-144821 center responsible lending 0 30 4205309 NA NA
# write out missing comment urls
d %>% 
  filter(is.na(dictionary_terms)) %>% dplyr::select(comment_url) %>% write_csv(file = "dictionary_terms_missing.csv")

# FIXME Missing as of May 2022
# bluebook %>% filter(str_detect(comment_url, "CFPB-2019-0021-0406"))
# technical_terms %>% filter(str_detect(comment_url, "CFPB-2019-0021-0406"))


#FIXME DROP BAD EFFICACY COMMENTS
efficacy%<>% filter(!comment_url %in% c(
  "https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23750",
  "https://www.regulations.gov/comment/CFPB-2012-0029-0054"
))


# look for outliers 
efficacy %>% arrange(-efficacy) %>% kablebox(
)
comment_url efficacy
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 10131
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 10131
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24275 7593
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24205 7411
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 7312
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 5809
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 5563
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25016 4965
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 4886
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23733 4710
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 4687
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 4482
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23871 4445
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24090 4445
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 4409
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 4204
https://www.regulations.gov/comment/CFPB-2016-0025-154512 3794
https://www.regulations.gov/comment/CFPB-2016-0025-185182 3794
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 3653
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25113 3402
https://www.regulations.gov/comment/CFPB-2014-0033-0119 3366
https://www.regulations.gov/comment/CFPB-2014-0033-0136 3202
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 3083
https://www.regulations.gov/comment/CFPB-2016-0025-109324 3000
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23870 2656
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24092 2656
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 2597
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 2587
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 2538
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 2479
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21986 2443
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 2398
https://www.regulations.gov/comment/CFPB-2014-0033-0128 2394
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21658 2384
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 2382
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24076 2330
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 2286
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 2273
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 2269
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 2268
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 2261
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 2239
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27812 2175
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 2112
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23880 1966
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24163 1966
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 1958
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 1947
https://www.regulations.gov/comment/CFPB-2013-0010-0071 1943
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 1938
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 1930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21544 1920
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 1919
https://www.regulations.gov/comment/CFPB-2016-0020-4931 1919
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24144 1903
https://www.regulations.gov/comment/CFPB-2016-0020-5831 1899
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 1897
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 1891
https://www.regulations.gov/comment/CFPB-2016-0025-142091 1870
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 1841
https://www.regulations.gov/comment/CFPB-2014-0019-0258 1824
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21983 1804
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 1802
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27820 1768
https://www.regulations.gov/comment/CFPB-2016-0025-142779 1761
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23971 1745
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24124 1745
https://www.regulations.gov/comment/CFPB-2014-0033-0132 1720
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 1718
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21913 1709
https://www.regulations.gov/comment/CFPB-2016-0025-142821 1697
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 1681
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 1641
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 1618
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25009 1614
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21920 1535
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 1507
https://www.regulations.gov/comment/CFPB-2013-0018-0274 1498
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 1478
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 1475
https://www.regulations.gov/comment/CFPB-2012-0034-0146 1448
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24215 1441
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 1431
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 1423
https://www.regulations.gov/comment/CFPB-2016-0025-9512 1416
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 1410
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 1407
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 1406
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22336 1395
https://www.regulations.gov/comment/CFPB-2012-0034-0144 1393
https://www.regulations.gov/comment/CFPB-2016-0020-4294 1385
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21719 1378
https://www.regulations.gov/comment/CFPB-2016-0025-186590 1334
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 1326
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24184 1312
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 1308
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 1301
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 1293
https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf 1290
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 1283
https://www.sec.gov/comments/s7-18-11/s71811-38.pdf 1280
https://www.sec.gov/comments/s7-41-11/s74111-291.pdf 1279
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23287 1273
https://www.sec.gov/comments/s7-16-11/s71611-43.pdf 1273
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24262 1266
https://www.regulations.gov/comment/CFPB-2013-0018-0069 1264
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23927 1263
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24165 1263
https://www.sec.gov/comments/s7-25-10/s72510-80.pdf 1263
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_104987_420899667517_1.pdf 1249
https://www.regulations.gov/comment/CFPB-2014-0033-0131 1243
https://www.regulations.gov/comment/CFPB-2016-0025-142467 1240
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24156 1232
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23876 1228
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24189 1228
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24795 1223
https://www.regulations.gov/comment/CFPB-2016-0025-142684 1217
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24257 1211
https://www.sec.gov/comments/s7-41-11/s74111-260.pdf 1203
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24164 1201
https://www.sec.gov/comments/s7-18-11/s71811-49.pdf 1196
https://www.regulations.gov/comment/CFPB-2016-0025-162471 1188
https://www.regulations.gov/comment/CFPB-2016-0025-164416 1188
https://www.sec.gov/comments/s7-41-11/s74111-267.pdf 1188
https://www.sec.gov/comments/s7-41-11/s74111-269.pdf 1185
https://www.sec.gov/comments/s7-25-11/s72511-18.pdf 1183
https://www.sec.gov/comments/s7-41-11/s74111-297.pdf 1174
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104992_420900761288_1.pdf 1173
https://www.federalreserve.gov/SECRS/2012/April/20120413/R-1432/R-1432_021312_104934_522411058588_1.pdf 1170
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105396_439624570777_1.pdf 1163
https://www.regulations.gov/comment/CFPB-2013-0002-0734 1161
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf 1158
https://www.regulations.gov/comment/CFPB-2012-0037-0702 1153
https://www.sec.gov/comments/s7-08-10/s70810-209.pdf 1148
https://www.sec.gov/comments/s7-45-10/s74510-586.pdf 1145
https://www.regulations.gov/comment/CFPB-2016-0020-1103 1142
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21384 1131
https://www.regulations.gov/comment/CFPB-2014-0033-0071 1130
https://www.sec.gov/comments/s7-25-10/s72510-39.pdf 1127
https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf 1117
https://www.sec.gov/comments/s7-41-11/s74111-526.pdf 1108
https://www.regulations.gov/comment/CFPB-2014-0033-0134 1107
https://www.sec.gov/comments/s7-35-10/s73510-44.pdf 1106
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21081 1102
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24802 1099
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf 1099
https://www.sec.gov/comments/s7-18-11/s71811-25.pdf 1099
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24001 1087
https://www.regulations.gov/comment/CFPB-2016-0020-3937 1086
https://www.regulations.gov/comment/CFPB-2016-0020-5829 1086
https://www.regulations.gov/comment/CFPB-2012-0034-0098 1084
https://www.regulations.gov/comment/CFPB-2012-0034-0163 1084
https://www.federalreserve.gov/SECRS/2014/July/20140707/R-1487/R-1487_061314_129534_554633201234_1.pdf 1082
https://www.regulations.gov/comment/CFPB-2016-0020-3941 1069
https://www.regulations.gov/comment/CFPB-2012-0029-0088 1047
https://www.federalreserve.gov/SECRS/2011/March/20110304/R-1404/R-1404_022211_67810_571316902268_1.pdf 1034
https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130415_401541141744_1.pdf 1033
https://www.regulations.gov/comment/CFPB-2012-0033-0065 1032
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23952 1031
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24173 1031
https://www.sec.gov/comments/s7-41-11/s74111-280.pdf 1030
https://www.regulations.gov/comment/CFPB-2011-0006-0006 1013
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25355 1008
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf 1006
https://www.sec.gov/comments/s7-33-10/s73310-253.pdf 999
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23911 992
https://www.regulations.gov/comment/CFPB-2014-0033-0089 992
https://www.sec.gov/comments/s7-03-15/s70315-6.pdf 989
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23916 984
https://www.sec.gov/comments/s7-08-11/s70811-16.pdf 979
https://www.sec.gov/comments/s7-34-10/s73410-29.pdf 969
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf 968
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=27748 967
https://www.federalreserve.gov/SECRS/2012/March/20120322/R-1432/R-1432_030912_106460_371012895059_1.pdf 958
https://www.regulations.gov/comment/CFPB-2016-0025-143973 952
https://www.sec.gov/comments/s7-45-10/s74510-634.pdf 952
https://www.sec.gov/comments/s7-39-10/s73910-25.pdf 951
https://www.sec.gov/comments/s7-42-10/s74210-18.pdf 945
https://www.sec.gov/comments/s7-07-13/s70713-572.pdf 943
https://www.federalreserve.gov/SECRS/2014/May/20140520/R-1477/R-1477_033114_112202_573872574694_1.pdf 939
https://www.regulations.gov/comment/CFPB-2016-0020-1477 939
https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf 938
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23914 935
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21392 930
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23322 929
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23289 928
https://www.sec.gov/comments/s7-16-11/s71611-46.pdf 928
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24079 925
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21091 924
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24249 921
https://www.regulations.gov/comment/CFPB-2013-0018-0265 917
https://www.sec.gov/comments/s7-41-11/s74111-454.pdf 903
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25665 898
https://www.sec.gov/comments/s7-13-11/s71311-57.pdf 895
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22013 890
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24084 888
https://www.sec.gov/comments/s7-44-10/s74410-9.pdf 887
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67641_571589563753_1.pdf 883
https://www.regulations.gov/comment/CFPB-2014-0033-0122 883
https://www.sec.gov/comments/s7-40-10/s74010-52.pdf 881
https://www.regulations.gov/comment/CFPB-2016-0025-142151 880
https://www.sec.gov/comments/s7-33-10/s73310-301.pdf 875
https://www.regulations.gov/comment/CFPB-2012-0029-0109 873
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23928 871
https://www.sec.gov/comments/s7-41-11/s74111-362.pdf 871
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23965 868
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24141 868
https://www.federalreserve.gov/SECRS/2013/March/20130312/R-1442/R-1442_102212_110338_429542797322_1.pdf 865
https://www.federalreserve.gov/SECRS/2011/April/20110404/R-1405/R-1405_033011_69263_589498687124_1.pdf 864
https://www.regulations.gov/comment/CFPB-2012-0021-0024 858
https://www.regulations.gov/comment/CFPB-2011-0008-1003 857
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67218_584088138933_1.pdf 856
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25626 851
https://www.sec.gov/comments/s7-03-15/s70315-5.pdf 847
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105540_519234056703_1.pdf 846
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24391 844
https://www.sec.gov/comments/s7-08-10/s70810-220.pdf 843
https://www.sec.gov/comments/s7-42-10/s74210-15.pdf 843
https://www.federalreserve.gov/SECRS/2012/May/20120511/R-1432/R-1432_021312_105407_439624727030_1.pdf 836
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21755 832
https://www.regulations.gov/comment/CFPB-2016-0025-142727 831
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=25625 829
https://www.sec.gov/comments/s7-08-11/s70811-18.pdf 829
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21984 828
https://www.regulations.gov/comment/CFPB-2014-0024-0030 827
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24181 825
https://www.sec.gov/comments/s7-40-10/s74010-114.pdf 821
https://www.sec.gov/comments/s7-41-11/s74111-463.pdf 821
https://www.regulations.gov/comment/CFPB-2013-0018-0092 820
https://www.sec.gov/comments/s7-39-10/s73910-51.pdf 820
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24073 817
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24316 817
https://www.sec.gov/comments/s7-41-11/s74111-248.pdf 817
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130418_401541610117_1.pdf 814
https://www.regulations.gov/comment/CFPB-2013-0018-0111 812
https://www.sec.gov/comments/s7-34-10/s73410-21.pdf 805
https://www.sec.gov/comments/s7-41-11/s74111-288.pdf 805
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24088 803
https://www.sec.gov/comments/s7-08-11/s70811-28.pdf 802
https://www.regulations.gov/comment/CFPB-2016-0025-187768 799
https://www.sec.gov/comments/s7-25-10/s72510-41.pdf 799
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22810 794
https://www.regulations.gov/comment/CFPB-2011-0008-1406 792
https://www.sec.gov/comments/s7-41-11/s74111-204.pdf 786
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_104984_362706050221_1.pdf 785
https://www.regulations.gov/comment/CFPB-2012-0050-0063 783
https://www.sec.gov/comments/s7-18-11/s71811-42.pdf 783
https://www.sec.gov/comments/s7-40-10/s74010-282.pdf 781
https://www.sec.gov/comments/s7-40-10/s74010-417.pdf 781
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24779 780
https://www.regulations.gov/comment/CFPB-2012-0037-0175 780
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=21946 774
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24125 773
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_105536_519233275438_1.pdf 772
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24046 770
https://www.sec.gov/comments/s7-45-10/s74510-392.pdf 767
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24378 761
https://www.sec.gov/comments/s7-35-10/s73510-37.pdf 760
https://www.federalreserve.gov/SECRS/2012/April/20120417/R-1432/R-1432_021312_104701_532360984930_1.pdf 756
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=23288 755
https://www.federalreserve.gov/SECRS/2011/April/20110411/R-1404/R-1404_040811_69317_547519238516_1.pdf 755
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_105296_362704800197_1.pdf 752
https://www.sec.gov/comments/s7-18-11/s71811-48.pdf 750
https://www.regulations.gov/comment/CFPB-2012-0021-0012 749
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22379 748
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24394 744
https://www.regulations.gov/comment/CFPB-2014-0019-0094 744
https://www.regulations.gov/comment/CFPB-2016-0025-199512 740
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_020312_88722_467837576602_1.pdf 738
https://www.sec.gov/comments/s7-41-11/s74111-105.pdf 738
https://www.sec.gov/comments/s7-45-10/s74510-357.pdf 736
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=22765 731
https://www.sec.gov/comments/s7-40-10/s74010-93.pdf 730
https://www.regulations.gov/comment/CFPB-2016-0025-142716 728
https://www.sec.gov/comments/s7-40-10/s74010-128.pdf 728
https://www.regulations.gov/comment/CFPB-2011-0003-0009 722
https://www.sec.gov/comments/s7-18-11/s71811-44.pdf 721
https://www.regulations.gov/comment/CFPB-2016-0020-2974 718
https://www.regulations.gov/comment/CFPB-2016-0020-3960 718
https://www.regulations.gov/comment/CFPB-2016-0020-6172 718
https://www.sec.gov/comments/s7-16-11/s71611-27.pdf 714
https://www.sec.gov/comments/s7-18-11/s71811-39.pdf 714
https://www.sec.gov/comments/s7-25-11/s72511-16.pdf 713
https://www.regulations.gov/comment/CFPB-2013-0010-0070 712
https://www.regulations.gov/comment/CFPB-2012-0034-0161 711
https://www.regulations.gov/comment/CFPB-2013-0018-0269 711
https://www.regulations.gov/comment/CFPB-2016-0025-143313 705
https://www.sec.gov/comments/s7-08-10/s70810-213.pdf 705
https://www.regulations.gov/comment/CFPB-2014-0008-0026 703
https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf 699
https://www.regulations.gov/comment/CFPB-2014-0033-0083 695
https://www.sec.gov/comments/s7-45-10/s74510-524.pdf 695
https://www.regulations.gov/comment/CFPB-2016-0025-143966 690
https://www.regulations.gov/comment/CFPB-2016-0025-145307 690
https://www.sec.gov/comments/s7-18-11/s71811-56.pdf 689
https://comments.cftc.gov/Handlers/PdfHandler.ashx?id=24777 686
https://www.sec.gov/comments/s7-45-10/s74510-585.pdf 684
https://www.federalreserve.gov/SECRS/2012/November/20121115/R-1443/R-1443_101512_108743_442533955570_1.pdf 683
https://www.regulations.gov/comment/CFPB-2012-0031-0065 683
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105392_329628475303_1.pdf 682
technical_terms %>% 
      dplyr::select(comment_url, dictionary_terms) %>% 
  arrange(-dictionary_terms) %>% kablebox()
comment_url dictionary_terms
https://www.regulations.gov/comment/OCC-2013-0008-0028 728831
https://www.federalreserve.gov/SECRS/2012/May/20120501/R-1438/R-1438_042712_107270_542775340448_1.pdf 68442
https://www.regulations.gov/comment/CFPB-2011-0002-0521 57626
https://www.regulations.gov/comment/CFPB-2016-0025-59925 49246
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61101 48203
https://www.regulations.gov/comment/CFPB-2016-0025-154512 47531
https://www.regulations.gov/comment/CFPB-2016-0025-185182 47520
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57409 41919
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57259 40392
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 40392
https://www.regulations.gov/comment/OCC-2011-0014-0221 40379
https://www.regulations.gov/comment/OCC-2011-0014-0280 40379
https://www.regulations.gov/comment/CFPB-2016-0025-150391 38398
https://www.regulations.gov/comment/CFPB-2016-0025-151479 38398
https://www.regulations.gov/comment/CFPB-2016-0025-20900 35618
https://www.federalreserve.gov/SECRS/2013/August/20130819/R-1457/R-1457_061113_111310_530220428696_1.pdf 34935
https://www.sec.gov/comments/s7-41-11/s74111-638.pdf 34521
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59278 34328
https://www.regulations.gov/comment/CFPB-2016-0020-6232 34185
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61209 31857
https://www.regulations.gov/comment/CFPB-2016-0025-158312 30748
https://www.regulations.gov/comment/CFPB-2016-0025-199782 30644
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https://www.regulations.gov/comment/CFPB-2016-0025-26059 8373
https://www.federalreserve.gov/SECRS/2011/April/20110401/R-1405/R-1405_033011_69273_589557907011_1.pdf 8272
https://www.federalreserve.gov/SECRS/2013/July/20130705/R-1438/R-1438_042913_111104_460291695185_1.pdf 8263
https://www.regulations.gov/comment/CFPB-2016-0025-32414 8256
https://www.sec.gov/comments/s7-03-13/s70313-123.pdf 8250
https://www.regulations.gov/comment/CFPB-2013-0033-0361 8241
https://www.regulations.gov/comment/CFPB-2016-0025-38368 8237
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27623 8228
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58118 8228
#FIXME DROP BAD TECHICAL TERM MEASURE 
technical_terms %<>% filter(!comment_url %in% c(
  "https://www.regulations.gov/comment/OCC-2013-0008-0028"
))

#FIXME DROP BAD TECHICAL TERM MEASURE 
technical_terms %<>% filter(!comment_url %in% c(
  "https://www.regulations.gov/comment/OCC-2013-0008-0028"
))

bluebook %>% 
      dplyr::select(comment_url, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% kablebox()
comment_url Total_Legal_Citations
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61101 301
https://www.sec.gov/comments/s7-25-11/s72511-32.pdf 289
https://www.regulations.gov/comment/CFPB-2016-0025-156482 273
https://www.regulations.gov/comment/CFPB-2016-0025-3913 273
https://www.regulations.gov/comment/CFPB-2016-0025-32778 259
https://www.federalreserve.gov/SECRS/2012/June/20120608/R-1438/R-1438_043012_107253_401117527948_1.pdf 198
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1405/R-1414_061011_81449_500089184441_1.pdf 157
https://www.federalreserve.gov/SECRS/2011/July/20110701/R-1414/R-1414_061011_81449_500089184441_1.pdf 157
https://www.regulations.gov/comment/CFPB-2014-0033-0164 149
https://www.regulations.gov/comment/CFPB-2011-0003-0009 144
https://www.regulations.gov/comment/CFPB-2011-0005-0008 144
https://www.regulations.gov/comment/CFPB-2011-0006-0006 144
https://www.regulations.gov/comment/CFPB-2011-0007-0006 144
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61209 141
https://www.regulations.gov/comment/CFPB-2012-0029-0054 130
https://www.regulations.gov/comment/CFPB-2016-0025-109324 120
https://www.regulations.gov/comment/CFPB-2014-0033-0128 117
https://www.regulations.gov/comment/CFPB-2016-0025-32641 116
https://www.regulations.gov/comment/CFPB-2013-0033-0386 114
https://www.regulations.gov/comment/OCC-2012-0013-0006 107
https://www.regulations.gov/comment/CFPB-2016-0025-32681 106
https://www.federalreserve.gov/SECRS/2012/November/20121101/R-1443/R-1443_101512_108748_442534424344_1.pdf 102
https://www.regulations.gov/comment/CFPB-2016-0025-26629 99
https://www.regulations.gov/comment/CFPB-2016-0020-4931 96
https://www.regulations.gov/comment/CFPB-2016-0020-5831 96
https://www.regulations.gov/comment/CFPB-2016-0025-32414 96
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56630 95
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57146 95
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 95
https://www.regulations.gov/comment/OCC-2011-0014-0175 95
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 95
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60553 86
https://www.regulations.gov/comment/CFPB-2014-0033-0136 86
https://www.sec.gov/comments/s7-03-13/s70313-335.pdf 84
https://www.regulations.gov/comment/CFPB-2013-0033-0393 82
https://www.regulations.gov/comment/CFPB-2016-0025-32384 81
https://www.regulations.gov/comment/CFPB-2016-0025-154512 80
https://www.regulations.gov/comment/CFPB-2016-0025-185182 80
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59718 76
https://www.regulations.gov/comment/CFPB-2016-0025-32809 76
https://www.regulations.gov/comment/CFPB-2016-0025-142779 75
https://www.sec.gov/comments/s7-02-13/s70213-56.pdf 73
https://www.regulations.gov/comment/CFPB-2016-0025-32582 72
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 64
https://www.regulations.gov/comment/CFPB-2014-0033-0056 63
https://www.sec.gov/comments/s7-08-12/s70812-4663163-176543.pdf 63
https://www.sec.gov/comments/s7-02-13/s70213-42.pdf 62
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56631 61
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57144 61
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 61
https://www.regulations.gov/comment/OCC-2011-0014-0174 61
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 61
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57409 60
https://www.regulations.gov/comment/CFPB-2016-0025-145353 60
https://www.regulations.gov/comment/CFPB-2013-0033-0102 59
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=42183 58
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57259 57
https://www.regulations.gov/comment/CFPB-2012-0028-2732 57
https://www.regulations.gov/comment/CFPB-2012-0028-2782 57
https://www.regulations.gov/comment/OCC-2011-0014-0221 57
https://www.regulations.gov/comment/OCC-2011-0014-0280 57
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 57
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 56
https://www.regulations.gov/comment/OCC-2011-0008-0125 56
https://www.federalreserve.gov/SECRS/2011/April/20110401/R-1405/R-1405_033011_69273_589557907011_1.pdf 55
https://www.regulations.gov/comment/CFPB-2016-0025-142467 55
https://www.regulations.gov/comment/CFPB-2016-0025-32353 53
https://www.regulations.gov/comment/CFPB-2016-0025-32794 53
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf 52
https://www.federalreserve.gov/SECRS/2013/May/20130521/R-1438/R-1438_043013_111114_389717962083_1.pdf 52
https://www.regulations.gov/comment/CFPB-2016-0025-186590 52
https://www.sec.gov/comments/s7-08-12/s70812-39.pdf 52
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67218_584088138933_1.pdf 51
https://www.federalreserve.gov/SECRS/2012/May/20120501/R-1438/R-1438_042712_107270_542775340448_1.pdf 51
https://www.regulations.gov/comment/CFPB-2014-0033-0144 51
https://www.regulations.gov/comment/CFPB-2016-0025-144985 51
https://www.sec.gov/comments/s7-23-07/s72307-8.pdf 51
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27223 50
https://www.regulations.gov/comment/CFPB-2016-0025-142151 50
https://www.regulations.gov/comment/CFPB-2013-0002-0876 49
https://www.regulations.gov/comment/CFPB-2016-0025-32469 49
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57467 48
https://www.regulations.gov/comment/CFPB-2012-0033-0181 48
https://www.regulations.gov/comment/CFPB-2012-0034-0163 48
https://www.regulations.gov/comment/CFPB-2014-0033-0117 48
https://www.regulations.gov/comment/CFPB-2016-0025-32814 47
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67998_575632491344_1.pdf 46
https://www.regulations.gov/comment/OCC-2011-0008-0045 46
https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf 45
https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1438/R-1438_043012_107236_478911121698_1.pdf 45
https://www.regulations.gov/comment/CFPB-2016-0020-3961 45
https://www.regulations.gov/comment/CFPB-2016-0020-4318 45
https://www.federalreserve.gov/SECRS/2016/August/20160811/R-1534/R-1534_060316_130304_375681878754_1.pdf 44
https://www.regulations.gov/comment/CFPB-2012-0028-2765 44
https://www.regulations.gov/comment/CFPB-2012-0033-0102 44
https://www.regulations.gov/comment/CFPB-2012-0034-0060 44
https://www.regulations.gov/comment/CFPB-2016-0025-144959 44
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57474 43
https://www.regulations.gov/comment/CFPB-2014-0019-0256 43
https://www.regulations.gov/comment/CFPB-2016-0020-3941 43
https://www.regulations.gov/comment/CFPB-2016-0025-142849 43
https://www.regulations.gov/comment/CFPB-2016-0025-148826 43
https://www.regulations.gov/comment/CFPB-2016-0025-154532 43
https://www.regulations.gov/comment/CFPB-2016-0025-32575 43
https://www.regulations.gov/comment/OCC-2011-0014-0011 43
https://www.regulations.gov/comment/OCC-2011-0029-0013 42
https://www.regulations.gov/comment/CFPB-2013-0018-0274 41
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=42179 40
https://www.federalreserve.gov/SECRS/2012/June/20120604/R-1438/R-1438_042612_107213_511650085598_1.pdf 40
https://www.regulations.gov/comment/CFPB-2012-0028-2811 40
https://www.regulations.gov/comment/CFPB-2012-0034-0098 40
https://www.regulations.gov/comment/CFPB-2016-0025-156474 40
https://www.regulations.gov/comment/CFPB-2016-0025-162098 40
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58796 39
https://www.federalreserve.gov/SECRS/2011/June/20110621/R-1411/R-1411_060911_81224_521506409071_1.pdf 39
https://www.regulations.gov/comment/CFPB-2012-0033-0150 39
https://www.regulations.gov/comment/CFPB-2016-0025-45942 39
https://www.regulations.gov/comment/OCC-2011-0002-0080 39
https://www.sec.gov/comments/s7-14-11/s71411-79.pdf 39
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27971 38
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44667 38
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59611 38
https://www.regulations.gov/comment/CFPB-2011-0031-0021 38
https://www.regulations.gov/comment/CFPB-2016-0025-142149 38
https://www.regulations.gov/comment/CFPB-2016-0025-185088 38
https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111495_377905725574_1.pdf 37
https://www.regulations.gov/comment/CFPB-2016-0025-158310 37
https://www.regulations.gov/comment/CFPB-2016-0025-26412 37
https://www.regulations.gov/comment/OCC-2013-0010-0184 37
https://www.sec.gov/comments/s7-14-11/s71411-488.pdf 37
https://www.sec.gov/comments/s7-45-10/s74510-835.pdf 37
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27538 36
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50010 36
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58958 36
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59673 36
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59674 36
https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_84149_582986006434_1.pdf 36
https://www.regulations.gov/comment/CFPB-2011-0008-1294 36
https://www.regulations.gov/comment/CFPB-2012-0022-0141 36
https://www.regulations.gov/comment/CFPB-2013-0033-0241 36
https://www.sec.gov/comments/s7-06-13/s70613-410.pdf 36
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59935 35
https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_072216_130358_404900544091_1.pdf 35
https://www.regulations.gov/comment/OCC-2011-0001-2410 35
https://www.regulations.gov/comment/OCC-2011-0006-0024 35
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61258 34
https://www.federalreserve.gov/SECRS/2012/May/20120522/R-1438/R-1438_043012_107239_643623783948_1.pdf 34
https://www.federalreserve.gov/SECRS/2016/April/20160401/R-1529/R-1529_032116_130242_645806703457_1.pdf 34
https://www.regulations.gov/comment/CFPB-2013-0033-0322 34
https://www.regulations.gov/comment/CFPB-2016-0025-32822 34
https://www.sec.gov/comments/s7-07-13/s70713-572.pdf 34
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60013 33
https://www.federalreserve.gov/SECRS/2012/October/20121017/R-1405/R-1405_052412_107697_403310114866_1.pdf 33
https://www.regulations.gov/comment/CFPB-2012-0033-0113 33
https://www.regulations.gov/comment/CFPB-2012-0033-0121 33
https://www.regulations.gov/comment/CFPB-2012-0034-0134 33
https://www.regulations.gov/comment/CFPB-2013-0005-0020 33
https://www.regulations.gov/comment/CFPB-2013-0005-0055 33
https://www.regulations.gov/comment/CFPB-2013-0033-0360 33
https://www.regulations.gov/comment/OCC-2011-0008-0165 33
https://www.sec.gov/comments/s7-12-15/s71215-67.pdf 33
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 32
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 32
https://www.regulations.gov/comment/CFPB-2011-0006-0005 32
https://www.regulations.gov/comment/CFPB-2011-0007-0005 32
https://www.regulations.gov/comment/CFPB-2012-0028-2673 32
https://www.regulations.gov/comment/CFPB-2013-0033-0382 32
https://www.regulations.gov/comment/CFPB-2016-0020-3973 32
https://www.regulations.gov/comment/CFPB-2016-0020-4210 32
https://www.regulations.gov/comment/CFPB-2016-0025-107777 32
https://www.regulations.gov/comment/OCC-2013-0010-0142 32
https://www.sec.gov/comments/s7-14-11/s71411-429.pdf 32
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27986 31
https://www.federalreserve.gov/SECRS/2013/December/20131218/R-1411/R-1411_103013_111517_347817569237_1.pdf 31
https://www.federalreserve.gov/SECRS/2014/August/20140813/R-1489/R-1489_070814_129556_332251404945_1.pdf 31
https://www.regulations.gov/comment/CFPB-2012-0028-0488 31
https://www.regulations.gov/comment/CFPB-2012-0029-0123 31
https://www.regulations.gov/comment/CFPB-2016-0025-151477 31
https://www.regulations.gov/comment/CFPB-2016-0025-161552 31
https://www.regulations.gov/comment/CFPB-2016-0025-32703 31
https://www.sec.gov/comments/s7-23-07/s72307-52.pdf 31
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 31
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 31
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 31
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27739 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27740 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27741 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30799 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30801 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30802 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30803 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30804 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30805 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30806 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=30807 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47804 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56779 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57227 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59710 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60006 30
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf 30
https://www.regulations.gov/comment/CFPB-2013-0033-0380 30
https://www.regulations.gov/comment/CFPB-2016-0025-26660 30
https://www.regulations.gov/comment/CFPB-2016-0025-32328 30
https://www.regulations.gov/comment/CFPB-2016-0025-32648 30
https://www.regulations.gov/comment/OCC-2011-0008-0142 30
https://www.regulations.gov/comment/OCC-2011-0014-0236 30
https://www.sec.gov/comments/s7-39-10/s73910-25.pdf 30
https://www.sec.gov/comments/s7-41-11/s74111-280.pdf 30
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27919 29
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105392_329628475303_1.pdf 29
https://www.federalreserve.gov/SECRS/2017/January/20170110/R-1538/R-1538_080416_130404_401540360277_1.pdf 29
https://www.regulations.gov/comment/CFPB-2016-0020-4237 29
https://www.regulations.gov/comment/CFPB-2016-0025-143966 29
https://www.regulations.gov/comment/CFPB-2016-0025-145307 29
https://www.regulations.gov/comment/OCC-2013-0016-0149 29
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44515 28
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56654 28
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57192 28
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60480 28
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_104932_532663130424_1.pdf 28
https://www.federalreserve.gov/SECRS/2015/April/20150427/R-1505/R-1505_040215_129913_303842345964_1.pdf 28
https://www.regulations.gov/comment/CFPB-2012-0021-0024 28
https://www.regulations.gov/comment/CFPB-2012-0029-0093 28
https://www.regulations.gov/comment/CFPB-2012-0029-0138 28
https://www.regulations.gov/comment/CFPB-2012-0029-0257 28
https://www.regulations.gov/comment/CFPB-2012-0033-0158 28
https://www.regulations.gov/comment/CFPB-2012-0034-0141 28
https://www.regulations.gov/comment/CFPB-2012-0037-0715 28
https://www.regulations.gov/comment/CFPB-2016-0025-39689 28
https://www.regulations.gov/comment/OCC-2011-0014-0213 28
https://www.regulations.gov/comment/OCC-2013-0016-0091 28
https://www.sec.gov/comments/s7-03-13/s70313-123.pdf 28
https://www.sec.gov/comments/s7-41-11/s74111-245.pdf 28
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48184 27
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48191 27
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57216 27
https://www.federalreserve.gov/SECRS/2011/April/20110404/R-1405/R-1405_033011_69263_589498687124_1.pdf 27
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_109758_308151765085_1.pdf 27
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 27
https://www.regulations.gov/comment/CFPB-2013-0010-0039 27
https://www.regulations.gov/comment/CFPB-2016-0025-22920 27
https://www.regulations.gov/comment/CFPB-2016-0025-32685 27
https://www.regulations.gov/comment/CFPB-2016-0025-39910 27
https://www.regulations.gov/comment/OCC-2011-0008-0072 27
https://www.regulations.gov/comment/OCC-2012-0008-0643 27
https://www.regulations.gov/comment/OCC-2012-0009-0655 27
https://www.regulations.gov/comment/OCC-2012-0010-0513 27
https://www.sec.gov/comments/s7-08-12/s70812-4288039-173187.pdf 27
https://www.sec.gov/comments/s7-41-11/s74111-263.pdf 27
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26871 26
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26873 26
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32275 26
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59719 26
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60055 26
https://www.federalreserve.gov/SECRS/2011/April/20110418/R-1407/R-1407_041411_69408_337905403353_1.pdf 26
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 26
https://www.federalreserve.gov/SECRS/2012/October/20121025/R-1442/R-1442_102212_109803_364404964203_1.pdf 26
https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111505_347820850655_1.pdf 26
https://www.federalreserve.gov/SECRS/2013/February/20130225/R-1442/R-1442_102212_109752_308151608828_1.pdf 26
https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf 26
https://www.regulations.gov/comment/CFPB-2013-0010-0072 26
https://www.regulations.gov/comment/CFPB-2016-0020-1103 26
https://www.regulations.gov/comment/CFPB-2016-0025-143704 26
https://www.regulations.gov/comment/CFPB-2016-0025-143973 26
https://www.regulations.gov/comment/CFPB-2016-0025-170492 26
https://www.regulations.gov/comment/OCC-2012-0008-1022 26
https://www.regulations.gov/comment/OCC-2012-0008-1075 26
https://www.regulations.gov/comment/OCC-2012-0009-1026 26
https://www.regulations.gov/comment/OCC-2012-0009-1081 26
https://www.regulations.gov/comment/OCC-2012-0009-1344 26
https://www.regulations.gov/comment/OCC-2012-0010-0789 26
https://www.regulations.gov/comment/OCC-2012-0010-0960 26
https://www.regulations.gov/comment/OCC-2013-0010-0104 26
https://www.sec.gov/comments/s7-02-13/s70213-45.pdf 26
https://www.sec.gov/comments/s7-03-13/s70313-260.pdf 26
https://www.sec.gov/comments/s7-14-11/s71411-477.pdf 26
https://www.sec.gov/comments/s7-33-10/s73310-202.pdf 26
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26964 25
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57142 25
https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61103 25
https://www.regulations.gov/comment/CFPB-2016-0025-108840 25
https://www.regulations.gov/comment/CFPB-2016-0025-146544 25
https://www.regulations.gov/comment/CFPB-2016-0025-150763 25
https://www.regulations.gov/comment/CFPB-2016-0025-161488 25
https://www.regulations.gov/comment/CFPB-2016-0025-161489 25
https://www.regulations.gov/comment/CFPB-2016-0025-161490 25
https://www.regulations.gov/comment/CFPB-2016-0025-199427 25
https://www.regulations.gov/comment/CFPB-2016-0025-32299 25
https://www.regulations.gov/comment/CFPB-2016-0025-32720 25
https://www.regulations.gov/comment/CFPB-2016-0025-32826 25
https://www.regulations.gov/comment/CFPB-2016-0025-32880 25
https://www.regulations.gov/comment/OCC-2011-0014-0224 25
https://www.regulations.gov/comment/OCC-2012-0008-1447 25
https://www.regulations.gov/comment/OCC-2012-0009-1520 25
https://www.regulations.gov/comment/OCC-2012-0010-1112 25
https://www.sec.gov/comments/s7-03-13/s70313-351.pdf 25
https://www.sec.gov/comments/s7-08-10/s70810-150.pdf 25
https://www.sec.gov/comments/s7-12-15/s71215-68.pdf 25
https://www.sec.gov/comments/s7-41-11/s74111-204.pdf 25
efficacyXsophistication <- bluebook %>% 
  dplyr::select(comment_url, Total_Legal_Citations) %>% drop_na(Total_Legal_Citations) %>% 
  left_join(
    technical_terms %>% 
      dplyr::select(comment_url, dictionary_terms)
  ) %>% 
  left_join(efficacy) %>% 
  mutate(efficacy = replace_na(efficacy, 0),
         org = ifelse(comment_url %in% d$comment_url, "Matched organization", "Individual or\nunmatched organization") )

Matched vs. unmatched comments

# matched-by-terms

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = dictionary_terms, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Technical Terms in Comment",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = dictionary_terms, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "",
       x = "Technical Terms in Comment",
       fill = "") 

#  matched-by-bluebook

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = Total_Legal_Citations, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Legal Citations in Comment",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = Total_Legal_Citations, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "",
       x = "Legal Citations in Comment",
       fill = "") 

# matched-by-efficacy

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = efficacy, fill = org) +
  geom_histogram() + 
  facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_y_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Efficacy\n(Words From Comment\nAdded to Final Rule)",
       fill = "") 

efficacyXsophistication %>% 
  ggplot() + 
  aes(x = efficacy, fill = org) +
  geom_density(alpha = .5, color = NA) + 
  #facet_wrap("org", ncol = 1, scales = "free_y") + 
  scale_x_log10() + 
  labs(title = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Number of Comments",
       x = "Efficacy\n(Words From Comment\nAdded to Final Rule)",
       fill = "") 

Efficacy by Sophistication

# efficacyXsophistication

efficacyXsophistication %>% arrange(-efficacy) %>% kablebox()
comment_url Total_Legal_Citations dictionary_terms efficacy org
https://www.sec.gov/comments/s7-33-10/s73310-110.pdf 31 7705 10131 Matched organization
https://www.sec.gov/comments/s7-33-10/s73310-35.pdf 31 7705 10131 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-230.pdf 57 40392 7312 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-55.pdf 12 3954 5809 Individual or unmatched organization
https://www.sec.gov/comments/s7-18-11/s71811-32.pdf 1 10979 5563 Matched organization
https://www.sec.gov/comments/s7-33-10/s73310-265.pdf 64 16730 4886 Individual or unmatched organization
https://www.sec.gov/comments/s7-35-10/s73510-12.pdf 3 3144 4687 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104404_346801484756_1.pdf 61 18709 4482 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-207.pdf 61 18712 4409 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-247.pdf 0 11330 4204 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-154512 80 47531 3794 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-185182 80 47520 3794 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf 27 19544 3653 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0119 11 3168 3366 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0136 86 10933 3202 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-587.pdf 31 7299 3083 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-109324 120 7052 3000 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-210.pdf 95 21526 2597 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104703_532361297436_1.pdf 95 21507 2587 Matched organization
https://www.federalreserve.gov/SECRS/2011/January/20110106/R-1397/R-1397_122710_58136_331176456422_1.pdf 20 3742 2538 Matched organization
https://www.sec.gov/comments/s7-07-13/s70713-957.pdf 5 6947 2479 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-655.pdf 5 5728 2398 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0128 117 10446 2394 Individual or unmatched organization
https://www.sec.gov/comments/s7-39-10/s73910-127.pdf 17 1752 2382 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-60.pdf 12 2743 2286 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-48.pdf 17 4089 2273 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-26.pdf 5 9149 2269 Individual or unmatched organization
https://www.sec.gov/comments/s7-08-10/s70810-219.pdf 1 6939 2268 Matched organization
https://www.sec.gov/comments/s7-08-11/s70811-24.pdf 12 4574 2261 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-5.pdf 17 3722 2239 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104978_464096290625_1.pdf 13 13982 2112 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-373.pdf 2 9318 1958 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021512_105492_542081694166_1.pdf 2 9241 1947 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0010-0071 17 4669 1943 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-223.pdf 6 6601 1938 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-318.pdf 8 6888 1930 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_104961_544170226356_1.pdf 8 6866 1919 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4931 96 14691 1919 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-5831 96 14194 1899 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-355.pdf 2 3846 1897 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-331.pdf 21 12268 1891 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142091 3 6979 1870 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-237.pdf 7 3358 1841 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0019-0258 6 3003 1824 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120423/R-1432/R-1432_021312_104970_452073403540_1.pdf 21 12138 1802 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142779 75 11944 1761 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0132 8 5763 1720 Matched organization
https://www.federalreserve.gov/SECRS/2017/January/20170126/R-1538/R-1538_081516_130442_365208348627_1.pdf 32 2895 1718 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142821 18 5591 1697 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-352.pdf 8 10599 1681 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67805_571248463454_1.pdf 0 3453 1641 Matched organization
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130420_423053866808_1.pdf 32 2962 1618 Matched organization
https://www.sec.gov/comments/s7-03-15/s70315-7.pdf 15 3948 1507 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0274 41 14287 1498 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-15.pdf 0 5456 1478 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-595.pdf 24 2659 1475 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0146 23 11318 1448 Matched organization
https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf 24 2662 1431 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-296.pdf 11 7138 1423 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-9512 0 5754 1416 Individual or unmatched organization
https://www.sec.gov/comments/s7-42-10/s74210-29.pdf 7 8719 1410 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf 10 7051 1407 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-11.pdf 11 7635 1406 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0144 22 9527 1393 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4294 8 4971 1385 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-186590 52 9161 1334 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121213/R-1442/R-1442_102312_109652_373891000684_1.pdf 26 12454 1326 Individual or unmatched organization
https://www.sec.gov/comments/s7-39-10/s73910-63.pdf 7 2226 1308 Individual or unmatched organization
https://www.sec.gov/comments/s7-34-10/s73410-192.pdf 3 2693 1301 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-10.pdf 11 7442 1293 Matched organization
https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf 3 3655 1290 Matched organization
https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf 56 24811 1283 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-38.pdf 7 4188 1280 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-291.pdf 4 6779 1279 Matched organization
https://www.sec.gov/comments/s7-16-11/s71611-43.pdf 5 2052 1273 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0069 8 4000 1264 Matched organization
https://www.sec.gov/comments/s7-25-10/s72510-80.pdf 0 2744 1263 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_104987_420899667517_1.pdf 4 6683 1249 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0131 9 2530 1243 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142467 55 8657 1240 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142684 16 3787 1217 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-260.pdf 23 11588 1203 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-49.pdf 0 3732 1196 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-162471 0 7737 1188 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-164416 0 7737 1188 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-267.pdf 23 9002 1188 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-269.pdf 14 6215 1185 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-18.pdf 18 2918 1183 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-297.pdf 19 15051 1174 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_104992_420900761288_1.pdf 19 15037 1173 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120413/R-1432/R-1432_021312_104934_522411058588_1.pdf 22 11473 1170 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105396_439624570777_1.pdf 19 8946 1163 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0002-0734 3 2098 1161 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf 4 7887 1158 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0037-0702 18 3691 1153 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-209.pdf 5 4584 1148 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-586.pdf 0 2469 1145 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-1103 26 4347 1142 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0071 10 2388 1130 Matched organization
https://www.sec.gov/comments/s7-25-10/s72510-39.pdf 0 2641 1127 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf 14 5972 1117 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-526.pdf 8 5461 1108 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0134 16 2936 1107 Individual or unmatched organization
https://www.sec.gov/comments/s7-35-10/s73510-44.pdf 5 1526 1106 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf 52 8175 1099 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-25.pdf 0 1993 1099 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-3937 15 4493 1086 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-5829 15 4493 1086 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0098 40 6874 1084 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0163 48 7980 1084 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2014/July/20140707/R-1487/R-1487_061314_129534_554633201234_1.pdf 7 4055 1082 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-3941 43 9744 1069 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0029-0088 15 1214 1047 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110304/R-1404/R-1404_022211_67810_571316902268_1.pdf 12 16735 1034 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130415_401541141744_1.pdf 14 2844 1033 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0033-0065 0 717 1032 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-280.pdf 30 5567 1030 Matched organization
https://www.regulations.gov/comment/CFPB-2011-0006-0006 144 7083 1013 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf 30 5521 1006 Matched organization
https://www.sec.gov/comments/s7-33-10/s73310-253.pdf 9 4451 999 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0089 20 1290 992 Individual or unmatched organization
https://www.sec.gov/comments/s7-03-15/s70315-6.pdf 10 2147 989 Individual or unmatched organization
https://www.sec.gov/comments/s7-08-11/s70811-16.pdf 0 2185 979 Matched organization
https://www.sec.gov/comments/s7-34-10/s73410-29.pdf 8 5974 969 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf 11 7693 968 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120322/R-1432/R-1432_030912_106460_371012895059_1.pdf 7 5399 958 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-143973 26 9131 952 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-634.pdf 7 2207 952 Matched organization
https://www.sec.gov/comments/s7-39-10/s73910-25.pdf 30 4821 951 Individual or unmatched organization
https://www.sec.gov/comments/s7-42-10/s74210-18.pdf 12 4998 945 Matched organization
https://www.sec.gov/comments/s7-07-13/s70713-572.pdf 34 6995 943 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2014/May/20140520/R-1477/R-1477_033114_112202_573872574694_1.pdf 0 1392 939 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-1477 17 1781 939 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf 11 6743 938 Matched organization
https://www.sec.gov/comments/s7-16-11/s71611-46.pdf 19 1511 928 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0265 0 1696 917 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-454.pdf 12 6791 903 Matched organization
https://www.sec.gov/comments/s7-13-11/s71311-57.pdf 0 2222 895 Matched organization
https://www.sec.gov/comments/s7-44-10/s74410-9.pdf 1 938 887 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67641_571589563753_1.pdf 24 11817 883 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0122 6 3456 883 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-52.pdf 0 2174 881 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142151 50 6954 880 Individual or unmatched organization
https://www.sec.gov/comments/s7-33-10/s73310-301.pdf 16 3325 875 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0029-0109 0 1460 873 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-362.pdf 9 7546 871 Matched organization
https://www.federalreserve.gov/SECRS/2013/March/20130312/R-1442/R-1442_102212_110338_429542797322_1.pdf 0 2970 865 Matched organization
https://www.federalreserve.gov/SECRS/2011/April/20110404/R-1405/R-1405_033011_69263_589498687124_1.pdf 27 2909 864 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0021-0024 28 1810 858 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2011-0008-1003 2 2428 857 Matched organization
https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67218_584088138933_1.pdf 51 7116 856 Individual or unmatched organization
https://www.sec.gov/comments/s7-03-15/s70315-5.pdf 5 2465 847 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105540_519234056703_1.pdf 8 3002 846 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-220.pdf 1 2351 843 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-15.pdf 0 2172 843 Matched organization
https://www.federalreserve.gov/SECRS/2012/May/20120511/R-1432/R-1432_021312_105407_439624727030_1.pdf 2 4627 836 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142727 4 4605 831 Individual or unmatched organization
https://www.sec.gov/comments/s7-08-11/s70811-18.pdf 0 1254 829 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2014-0024-0030 22 3438 827 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-114.pdf 4 3330 821 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-463.pdf 11 4537 821 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0092 1 2576 820 Matched organization
https://www.sec.gov/comments/s7-39-10/s73910-51.pdf 2 978 820 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-248.pdf 22 6041 817 Matched organization
https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130418_401541610117_1.pdf 16 3483 814 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0111 0 928 812 Matched organization
https://www.sec.gov/comments/s7-34-10/s73410-21.pdf 2 3213 805 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-288.pdf 14 4953 805 Matched organization
https://www.sec.gov/comments/s7-08-11/s70811-28.pdf 0 2009 802 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-187768 4 6367 799 Matched organization
https://www.sec.gov/comments/s7-25-10/s72510-41.pdf 2 4366 799 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2011-0008-1406 17 4111 792 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-204.pdf 25 4817 786 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_104984_362706050221_1.pdf 15 4830 785 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0050-0063 0 851 783 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-42.pdf 0 1400 783 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-282.pdf 0 5743 781 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-417.pdf 0 5743 781 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0037-0175 3 1190 780 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_021312_105536_519233275438_1.pdf 10 4424 772 Individual or unmatched organization
https://www.sec.gov/comments/s7-45-10/s74510-392.pdf 1 2142 767 Matched organization
https://www.sec.gov/comments/s7-35-10/s73510-37.pdf 0 766 760 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/April/20120417/R-1432/R-1432_021312_104701_532360984930_1.pdf 24 4731 756 Matched organization
https://www.federalreserve.gov/SECRS/2011/April/20110411/R-1404/R-1404_040811_69317_547519238516_1.pdf 5 2855 755 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021312_105296_362704800197_1.pdf 19 6023 752 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-48.pdf 1 2703 750 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0021-0012 12 1373 749 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0019-0094 13 677 744 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-199512 5 6432 740 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_020312_88722_467837576602_1.pdf 2 2994 738 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-105.pdf 3 3021 738 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-357.pdf 19 1185 736 Individual or unmatched organization
https://www.sec.gov/comments/s7-40-10/s74010-93.pdf 18 2177 730 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142716 1 12891 728 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-128.pdf 0 2959 728 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2011-0003-0009 144 7083 722 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-44.pdf 2 1784 721 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-2974 22 2732 718 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-3960 2 1360 718 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-6172 22 2732 718 Individual or unmatched organization
https://www.sec.gov/comments/s7-16-11/s71611-27.pdf 5 5244 714 Individual or unmatched organization
https://www.sec.gov/comments/s7-18-11/s71811-39.pdf 4 2116 714 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-16.pdf 1 2845 713 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0010-0070 3 4623 712 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0161 2 1334 711 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0269 9 1207 711 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0025-143313 23 18202 705 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-213.pdf 1 4129 705 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2014-0008-0026 13 1808 703 Matched organization
https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf 26 7382 699 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0083 5 1614 695 Individual or unmatched organization
https://www.sec.gov/comments/s7-45-10/s74510-524.pdf 0 2177 695 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-143966 29 5815 690 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-145307 29 5815 690 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-56.pdf 9 2111 689 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-585.pdf 5 1104 684 Matched organization
https://www.federalreserve.gov/SECRS/2012/November/20121115/R-1443/R-1443_101512_108743_442533955570_1.pdf 0 1141 683 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0031-0065 0 1137 683 Matched organization
https://www.federalreserve.gov/SECRS/2012/March/20120329/R-1432/R-1432_021312_105392_329628475303_1.pdf 29 6560 682 Individual or unmatched organization
https://www.sec.gov/comments/s7-02-13/s70213-53.pdf 9 5949 682 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0029-0123 31 4406 677 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-583.pdf 0 1322 671 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0043 0 1733 669 Matched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109102_441597364672_1.pdf 19 3288 667 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-604.pdf 16 2247 665 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-30.pdf 1 1529 661 Matched organization
https://www.sec.gov/comments/s7-42-10/s74210-24.pdf 12 2957 657 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142849 43 3422 654 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-154532 43 3422 654 Individual or unmatched organization
https://www.sec.gov/comments/s7-35-10/s73510-32.pdf 0 889 654 Matched organization
https://www.sec.gov/comments/s7-08-10/s70810-215.pdf 5 3364 652 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-669.pdf 0 1129 652 Matched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_109758_308151765085_1.pdf 27 6470 650 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0037-0705 2 2595 649 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0066 13 610 645 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-11/s74111-146.pdf 17 2105 644 Individual or unmatched organization
https://www.sec.gov/comments/s7-35-10/s73510-11.pdf 7 1529 642 Individual or unmatched organization
https://www.sec.gov/comments/s7-45-10/s74210-76.pdf 12 2912 641 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-81.pdf 1 2915 639 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0037-0366 0 1742 636 Matched organization
https://www.sec.gov/comments/s7-07-13/s70713-653.pdf 3 2600 636 Matched organization
https://www.sec.gov/comments/s7-39-10/s73910-58.pdf 6 3512 635 Matched organization
https://www.federalreserve.gov/SECRS/2011/February/20110201/R-1397/R-1397_123010_59072_578247808411_1.pdf 7 3376 633 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0018-0044 0 816 633 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4256 23 15569 631 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-872.pdf 4 2124 631 Individual or unmatched organization
https://www.sec.gov/comments/s7-40-10/s74010-49.pdf 1 1886 630 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/January/20120131/R-1432/R-1432_012412_88681_510993520292_1.pdf 1 2950 629 Matched organization
https://www.sec.gov/comments/s7-35-10/s73510-9.pdf 1 1114 628 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-11/s72511-25.pdf 0 1341 623 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-155.pdf 0 1371 622 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0034-0060 44 2218 619 Matched organization
https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101212_109069_335727645325_1.pdf 10 4137 618 Matched organization
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_104940_362701206378_1.pdf 18 4455 617 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130421_423054023019_1.pdf 18 2660 611 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-135.pdf 0 921 609 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0025-142789 4 2556 607 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-311.pdf 7 3555 607 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0019-0137 18 2803 606 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0050-0095 9 2771 605 Matched organization
https://www.federalreserve.gov/SECRS/2011/June/20110620/R-1414/R-1414_061011_81239_553116501175_1.pdf 12 4705 604 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2014/May/20140501/R-1477/OP-1478_033114_112203_581708330980_1.pdf 7 2027 602 Matched organization
https://www.sec.gov/comments/s7-02-13/s70213-42.pdf 62 5253 598 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0021-0023 5 1107 595 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_105315_439625352042_1.pdf 6 3475 594 Individual or unmatched organization
https://www.sec.gov/comments/s7-41-10/s74110-19.pdf 1 1348 591 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0033-0164 149 16402 590 Matched organization
https://www.sec.gov/comments/s7-45-10/s74510-625.pdf 7 2054 590 Individual or unmatched organization
https://www.sec.gov/comments/s7-16-11/s71611-36.pdf 3 1524 589 Individual or unmatched organization
https://www.sec.gov/comments/s7-45-10/s74510-260.pdf 0 869 589 Matched organization
https://www.sec.gov/comments/s7-25-11/s72511-13.pdf 4 1610 588 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2011-0008-1339 1 2580 585 Matched organization
https://www.federalreserve.gov/SECRS/2012/February/20120222/R-1432/R-1432_021312_105453_452072778528_1.pdf 4 1704 581 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-3961 45 3185 581 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4318 45 3154 581 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0021-0030 6 906 579 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0021-0032 6 906 579 Matched organization
https://www.regulations.gov/comment/CFPB-2012-0031-0079 5 1250 579 Matched organization
https://www.federalreserve.gov/SECRS/2012/October/20121025/R-1443/R-1443_101512_108730_393508994348_1.pdf 5 1224 577 Matched organization
https://www.sec.gov/comments/s7-18-11/s71811-28.pdf 2 1042 576 Individual or unmatched organization
https://www.sec.gov/comments/s7-25-10/s72510-22.pdf 1 1979 573 Individual or unmatched organization
https://www.sec.gov/comments/s7-40-10/s74010-131.pdf 1 4464 573 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2012/January/20120126/R-1432/R-1432_011312_88656_325257360692_1.pdf 0 4440 570 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-208.pdf 18 4325 567 Individual or unmatched organization
https://www.sec.gov/comments/s7-23-11/s72311-9.pdf 2 2635 566 Matched organization
https://www.regulations.gov/comment/CFPB-2016-0020-4097 5 3477 565 Matched organization
https://www.regulations.gov/comment/CFPB-2013-0009-0017 0 330 563 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2013-0002-0846 0 611 560 Individual or unmatched organization
https://www.sec.gov/comments/4-633/4633-1.pdf 6 2070 560 Matched organization
https://www.ncua.gov/files/comment-letters/2014/CLAppraisal20140609BBuell.pdf 4 2079 556 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-385.pdf 4 3897 556 Matched organization
https://www.sec.gov/comments/s7-40-10/s74010-183.pdf 3 3637 555 Matched organization
https://www.sec.gov/comments/s7-13-11/s71311-18.pdf 0 1432 553 Individual or unmatched organization
https://www.sec.gov/comments/s7-08-10/s70810-208.pdf 0 2109 552 Individual or unmatched organization
https://www.sec.gov/comments/s7-31-10/s73110-16.pdf 0 1358 551 Individual or unmatched organization
https://www.federalreserve.gov/SECRS/2013/July/20130705/R-1438/R-1438_042913_111104_460291695185_1.pdf 5 8263 549 Matched organization
https://www.sec.gov/comments/s7-02-13/s70213-59.pdf 8 5789 549 Individual or unmatched organization
https://www.regulations.gov/comment/CFPB-2012-0029-0125 4 5002 548 Matched organization
https://www.regulations.gov/comment/CFPB-2014-0019-0321 0 768 548 Matched organization
https://www.sec.gov/comments/s7-41-11/s74111-672.pdf 9 826 548 Matched organization
eXsplot <- efficacyXsophistication %>% # filter(efficacy > 0) %>% #FIXME 
  ggplot() +
  aes(x = dictionary_terms, y = efficacy) + 
  geom_point(aes(y = 10131, x = 7705), color = "red", shape = 0, size = 3) +
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm") +
  labs(caption = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       y = "Efficacy\n(Words From Comment\nAdded to Final Rule)",
       x = "Technical Terms in Comment",
       color = "") +
  theme(legend.position = "bottom")

eXsplot + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1, hjust = -0.05, size = 3.5)

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1.05, hjust = 1.05, size = 3.5)

# color 
eXsplot + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", 
           label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", 
           vjust = 1, hjust = -0.05, size = 3.5) + 
  aes(color = org) + labs(color = "")

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  aes(color = org)+ labs(color = "") + 
  annotate(y = 10131, x = 7705, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1.05, hjust = 1.05, size = 3.5)

# legal citations
eXsplot <- efficacyXsophistication %>%  # filter(efficacy > 0) %>% #FIXME 
  ggplot() +
  aes(x = Total_Legal_Citations, y = efficacy) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm") +
  labs(caption = str_c("Comments on Dodd-Frank Rules, N = ", nrow(efficacyXsophistication) %>% prettyNum(big.mark = ",")),
       color = "",
       y = "Efficacy\n(Words From Comment\nAdded to Final Rule)",
       x = "Legal Citations in Comment") + 
  geom_point(aes(x = 31, y = 10131), color = "red", shape = 0, size = 3)+
  theme(legend.position = "bottom")


eXsplot  + 
  annotate(x = 31, y = 10131, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1, hjust = -0.05, size = 3.5)

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  annotate(y = 10131, x = 31, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1, hjust = 1.05, size = 3.5)

# color 
eXsplot  + 
  annotate(x = 31, y = 10131, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1, hjust = -0.05, size = 3.5)  + aes(color = org) + labs(color = "")

eXsplot + 
  scale_x_log10() +
  scale_y_log10() + 
  aes(color = org) + labs(color = "") + 
  annotate(y = 10131, x = 31, color = "red", geom = "text", label = "Comment & Marked-up Draft Rule,\nU.S. Chamber of Commerce et al.", vjust = 1, hjust = 1.05, size = 3.5)



Number of comments per agency

Technical terms measured for 20922 of 21352 comments.

# matches
d %>% 
  count(Agency, name = "n comments matched with org") %>%
  left_join(
    d %>% 
      filter(comment_url %in% technical_terms$comment_url) %>% 
      count(Agency, name = "n with dictionary terms measured") 
    )  %>% 
  left_join(
    d %>% 
      dplyr::select(-efficacy) %>% 
      filter(comment_url %in% efficacy$comment_url) %>% 
      count(Agency, name = "n with efficacy measured")  
    )  %>% 
  kablebox()
Agency n comments matched with org n with dictionary terms measured n with efficacy measured
CFPB 11813 11438 2892
CFTC 3087 3083 NA
FRS 3383 3383 902
NCUA 78 27 9
SEC 2991 2991 1213

Plots

Sophistication x assets

Technical terms x assets

t <- d %>% drop_na(dictionary_terms)


# FDIC ASSTS 
p <- t %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`)) %>% 
  ggplot() +
  aes(x = `FDIC_Institutions-bestMatch:ASSET`, # %>% log(), 
      y = dictionary_terms ) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets",
       y = "Technical Terms", 
       title = "FDIC-Insured Banks")

p 

p + 
  scale_y_log10() + 
  scale_x_log10()

t %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`), dictionary_terms == 0) %>%
  dplyr::select(org_name, everything() ) %>% 
  kablebox()
org_name docket_id comment_docket_count comment_url comment_agency comment_org_name comment_submitter_name CIK_name CreditUnions_name FDIC_Institutions_name FFIECInstitutions_name SEC_Institutions_name compustat_resources_name nonprofits_resources_name opensecrets_resources_jwVersion_name best_match_name best_match_score best_match_type FDIC_Institutions-bestMatch:ASSET FDIC_Institutions-bestMatch:STNAME CIK-bestMatch:marketcap SEC_Institutions-bestMatch:Ticker compustat_resources-bestMatch:marketcap compustat_resources-bestMatch:naics nonprofits_resources-bestMatch:assets nonprofits_resources-bestMatch:revenue nonprofits_resources-bestMatch:ein opensecrets_resources_jwVersion-bestMatch:MeanContribAmountPerYearContributed opensecrets_resources_jwVersion-bestMatch:TotalContribAmount matches org_type org_resources opensecrets_resources_name org_comments best_match_org_comments marketcap marketcap2 Agency Org_type payday MeanContribAmount TotalContribAmount assets revenue naics Total Assets efficacy Total_Legal_Citations dictionary_terms
town country bank missouri CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1641 CFPB town country real estate cindy collins NA NA town country bank missouri NA NA NA NA NA town country bank missouri 0.9234144 FDIC 26610 Missouri NA NA NA NA NA NA NA NA NA town country bank missouri-FDIC FDIC 26610 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
bank forest CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-211822 CFPB bank forest allen breland NA NA bank forest NA NA NA NA NA bank forest 1.0000000 FDIC 165509 Mississippi NA NA NA NA NA NA NA NA NA bank forest-FDIC FDIC 165509 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
bank forest CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-211876 CFPB bank forest allen breland NA NA bank forest NA NA NA NA NA bank forest 1.0000000 FDIC 165509 Mississippi NA NA NA NA NA NA NA NA NA bank forest-FDIC FDIC 165509 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
reliance bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0005 CFPB reliance bank h barton buddy hann NA NA reliance bank NA NA NA NA NA reliance bank 1.0000000 FDIC 28637 New York NA NA NA NA NA NA NA NA NA reliance bank-FDIC FDIC 28637 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
citizens national bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0033 CFPB citizens national bank della sanderford NA NA citizens national bank NA NA NA NA NA citizens national bank 1.0000000 FDIC 338179 Connecticut NA NA NA NA NA NA NA NA NA citizens national bank-FDIC FDIC 338179 NA 7 7 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
first harrison bank CFPB-2017-0021 1 https://www.regulations.gov/comment/CFPB-2017-0021-0034 CFPB first harrison bank jason pendleton NA NA first harrison bank NA NA NA NA NA first harrison bank 1.0000000 FDIC 760183 Indiana NA NA NA NA NA NA NA NA NA first harrison bank-FDIC FDIC 760183 NA 5 5 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
university bank CFPB-2017-0018 1 https://www.regulations.gov/comment/CFPB-2017-0018-0004 CFPB university bank teresa ferman NA NA university bank NA NA NA NA NA university bank 1.0000000 FDIC 65734 Missouri NA NA NA NA NA NA NA NA NA university bank-FDIC FDIC 65734 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
alden state bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-208809 CFPB alden state bank hilde neubauer NA NA alden state bank NA NA NA NA NA alden state bank 1.0000000 FDIC 309183 New York NA NA NA NA NA NA NA NA NA alden state bank-FDIC FDIC 309183 NA 4 4 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
colonial savings fa CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1608 CFPB colonial savings bank fa kish ivey NA NA colonial savings fa NA NA NA NA NA colonial savings fa 0.9987592 FDIC 136400 Kansas NA NA NA NA NA NA NA NA NA colonial savings fa-FDIC FDIC 136400 NA 1 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
farmers merchants bank long beach CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1609 CFPB farmers merchants bank long beach angela oganezova NA NA farmers merchants bank long beach NA NA NA NA NA farmers merchants bank long beach 1.0000000 FDIC 6834068 California NA NA NA NA NA NA NA NA NA farmers merchants bank long beach-FDIC FDIC 6834068 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
first bank south CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1624 CFPB first south bank sheila greer NA NA first bank south NA NA NA NA NA first bank south 1.0000000 FDIC 156890 Illinois NA NA NA NA NA NA NA NA NA first bank south-FDIC FDIC 156890 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
columbia bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1618 CFPB columbia bank kathryn morris NA NA columbia bank NA NA NA NA NA columbia bank 1.0000000 FDIC 208384 Florida NA NA NA NA NA NA NA NA NA columbia bank-FDIC FDIC 208384 NA 2 2 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
peoples intermountain bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148853 CFPB peoples intermountain bank jay hunsaker NA NA peoples intermountain bank NA NA NA NA NA peoples intermountain bank 1.0000000 FDIC 1682347 Utah NA NA NA NA NA NA NA NA NA peoples intermountain bank-FDIC FDIC 1682347 NA 1 1 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
first federal arkansas fa CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-186578 CFPB arkansas federal credit union karyn davis NA NA first federal arkansas fa NA NA NA NA NA first federal arkansas fa 0.9702488 FDIC 1339075 Arkansas NA NA NA NA NA NA NA NA NA first federal arkansas fa-FDIC FDIC 1339075 NA 3 3 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
bryant bank CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-185082 CFPB bryant bank david long NA NA bryant bank NA NA NA NA NA bryant bank 1.0000000 FDIC 1501632 Alabama NA NA NA NA NA NA NA NA NA bryant bank-FDIC FDIC 1501632 NA 2 2 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA NA 0 0
coastal bend national bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-0027 CFPB keller williams coastal bend char atnip NA NA coastal bend national bank NA NA NA NA NA coastal bend national bank 0.8568533 FDIC 38704 Texas NA NA NA NA NA NA NA NA NA coastal bend national bank-FDIC FDIC 38704 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
d l evans bank CFPB-2016-0038 1 https://www.regulations.gov/comment/CFPB-2016-0038-1324 CFPB d l evans bank trevor matthews NA NA d l evans bank NA NA NA NA NA d l evans bank 1.0000000 FDIC 1312267 Idaho NA NA NA NA NA NA NA NA NA d l evans bank-FDIC FDIC 1312267 NA 12 12 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
american pacific bank CFPB-2012-0028 1 https://www.regulations.gov/comment/CFPB-2012-0028-2031 CFPB american pacific mortgage marty allred NA NA american pacific bank NA NA NA NA NA american pacific bank 0.9459827 FDIC 124355 Oregon NA NA NA NA NA NA NA NA NA american pacific bank-FDIC FDIC 124355 NA 34 29 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
citizens state bank CFPB-2013-0002 1 https://www.regulations.gov/comment/CFPB-2013-0002-0073 CFPB citizens state bank kathy kruger NA NA citizens state bank NA NA NA NA NA citizens state bank 1.0000000 FDIC 261907 Oklahoma NA NA NA NA NA NA NA NA NA citizens state bank-FDIC FDIC 261907 NA 8 8 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
guardian bank CFPB-2013-0002 1 https://www.regulations.gov/comment/CFPB-2013-0002-0475 CFPB guardian bank pam horton NA NA guardian bank NA NA NA NA NA guardian bank 1.0000000 FDIC 73483 Florida NA NA NA NA NA NA NA NA NA guardian bank-FDIC FDIC 73483 NA 1 1 NA NA CFPB FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA 0 0
united community bank S7-08-13 1 https://www.sec.gov/comments/s7-08-13/s70813-39.htm SEC united community bank garland certain NA NA united community bank NA NA NA NA NA united community bank 1.0000000 FDIC 34537 Kentucky NA NA NA NA NA NA NA NA NA united community bank-FDIC FDIC 34537 NA 5 5 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank san diego S7-09-15 1 https://www.sec.gov/comments/s7-09-15/s70915-4.htm SEC san diego michael d berlin NA NA bank san diego NA NA NA NA NA bank san diego 1.0000000 FDIC 294277 California NA NA NA NA NA NA NA NA NA bank san diego-FDIC FDIC 294277 NA 1 1 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
united republic bank S7-42-10 1 https://www.sec.gov/comments/s7-42-10/s74210-305.htm SEC united republic semkae kilonzo NA NA united republic bank NA NA NA NA NA united republic bank 1.0000000 FDIC 108100 Nebraska NA NA NA NA NA NA NA NA NA united republic bank-FDIC FDIC 108100 NA 1 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
reading cooperative bank S7-14-11 1 https://www.sec.gov/comments/s7-14-11/s71411-50.htm SEC reading cooperative bank julieann m thurlow NA NA reading cooperative bank NA NA NA NA NA reading cooperative bank 1.0000000 FDIC 513042 Massachusetts NA NA NA NA NA NA NA NA NA reading cooperative bank-FDIC FDIC 513042 NA 5 5 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
randolph savings bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-471.htm SEC randolph savings bank liz turner NA NA randolph savings bank NA NA NA NA NA randolph savings bank 1.0000000 FDIC 482761 Massachusetts NA NA NA NA NA NA NA NA NA randolph savings bank-FDIC FDIC 482761 NA 2 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank oldham county S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-326.htm SEC bank oldham county stephen m norton NA NA bank oldham county NA NA NA NA NA bank oldham county 1.0000000 FDIC 143340 Kentucky NA NA NA NA NA NA NA NA NA bank oldham county-FDIC FDIC 143340 NA 2 2 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
granite savings bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-210.htm SEC granite savings bank norman s seppala NA NA granite savings bank NA NA NA NA NA granite savings bank 1.0000000 FDIC 64975 Massachusetts NA NA NA NA NA NA NA NA NA granite savings bank-FDIC FDIC 64975 NA 1 1 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-209.htm SEC greenfield cooperative bank anthony j worden NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-207.htm SEC greenfield cooperative bank david g ahearn NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank elk river S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-206.htm SEC city elk river tim simon NA NA bank elk river NA NA NA NA NA bank elk river 0.9895928 FDIC 408374 Minnesota NA NA NA NA NA NA NA NA NA bank elk river-FDIC FDIC 408374 NA 1 3 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
greenfield cooperative bank S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-183.htm SEC greenfield cooperative bank eric marsh NA NA greenfield cooperative bank NA NA NA NA NA greenfield cooperative bank 1.0000000 FDIC 578831 Massachusetts NA NA NA NA NA NA NA NA NA greenfield cooperative bank-FDIC FDIC 578831 NA 4 4 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
first national bank bastrop S7-45-10 1 https://www.sec.gov/comments/s7-45-10/s74510-152.htm SEC first national bank bastrop reid sharp NA NA first national bank bastrop NA NA NA NA NA first national bank bastrop 1.0000000 FDIC 532024 Texas NA NA NA NA NA NA NA NA NA first national bank bastrop-FDIC FDIC 532024 NA 3 3 NA NA SEC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110579_355661550171_1.pdf FRS community bank david hughes NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110580_355662018945_1.pdf FRS community bank david j washer NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
community bank R-1443_V1 1 https://www.federalreserve.gov/SECRS/2013/January/20130129/R-1443/R-1443_110512_110581_355662331461_1.pdf FRS community bank coast NA NA community bank NA NA NA NA NA community bank 1.0000000 FDIC 569546 Alabama NA NA NA NA NA NA NA NA NA community bank-FDIC FDIC 569546 NA 15 15 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
compass bank CFTC-2012-0102 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58869 CFTC compass bank brian goodrich NA NA compass bank NA NA NA NA NA compass bank 1.0000000 FDIC 83988195 Alabama NA NA NA NA NA NA NA NA NA compass bank-FDIC FDIC 83988195 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules 65384.62 1700000 NA NA NA NA NA NA 0
regions bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=338 CFTC regions bank ex parte communication NA NA regions bank NA NA NA NA NA regions bank 1.0000000 FDIC 123636430 Alabama NA NA NA NA NA NA NA NA NA regions bank-FDIC FDIC 123636430 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank webster CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=317 CFTC webster bank ex parte communication NA NA bank webster NA NA NA NA NA bank webster 1.0000000 FDIC 4242 Georgia NA NA NA NA NA NA NA NA NA bank webster-FDIC FDIC 4242 NA 4 4 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
first national bank in miles city CFTC-2012-0019 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57329 CFTC stockman bank montana miles city montana bill bickle NA NA first national bank in miles city NA NA NA NA NA first national bank in miles city 0.6502750 FDIC 72868 Montana NA NA NA NA NA NA NA NA NA first national bank in miles city-FDIC FDIC 72868 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
goldman sachs bank usa CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=884 CFTC goldman sachs bank usa ex parte communication NA NA goldman sachs bank usa NA NA NA NA NA goldman sachs bank usa 1.0000000 FDIC 156156000 New York NA NA NA NA NA NA NA NA NA goldman sachs bank usa-FDIC FDIC 156156000 NA 3 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
allied cypress bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=223 CFTC cypress group cypress ex parte communication NA NA allied cypress bank NA NA NA NA NA allied cypress bank 0.9808917 FDIC 128701 Texas NA NA NA NA NA NA NA NA NA allied cypress bank-FDIC FDIC 128701 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
peoples bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27774 CFTC peoples bank jack hartings NA NA peoples bank NA NA NA NA NA peoples bank 1.0000000 FDIC 11896 Alabama NA NA NA NA NA NA NA NA NA peoples bank-FDIC FDIC 11896 NA 35 35 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
united oklahoma bank CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=238 CFTC bank oklahoma ex parte communication NA NA united oklahoma bank NA NA NA NA NA united oklahoma bank 1.0000000 FDIC 171925 Oklahoma NA NA NA NA NA NA NA NA NA united oklahoma bank-FDIC FDIC 171925 NA 2 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
capital one fsb CFTC-2012-0058 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=243 CFTC capital one na ex parte communication NA NA capital one fsb NA NA NA NA NA capital one fsb 0.9792454 FDIC 17487074 Virginia NA NA NA NA NA NA NA NA NA capital one fsb-FDIC FDIC 17487074 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
privatebank trust CFTC-2010-0196 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=417 CFTC privatebank trust ex parte communication NA NA privatebank trust NA NA NA NA NA privatebank trust 1.0000000 FDIC 20401001 Illinois NA NA NA NA NA NA NA NA NA privatebank trust-FDIC FDIC 20401001 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
vectra bank colorado national association CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1013 CFTC copperwood asset management lp copperwood vectra capital llc vectra ex parte communication NA NA vectra bank colorado national association NA NA NA NA NA vectra bank colorado national association 0.5954048 FDIC 3317609 New Mexico NA NA NA NA NA NA NA NA NA vectra bank colorado national association-FDIC FDIC 3317609 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
farmers national bank CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59661 CFTC national farmers organization michael miller NA NA farmers national bank NA NA NA NA NA farmers national bank 0.9931716 FDIC 86960 Kentucky NA NA NA NA NA NA NA NA NA farmers national bank-FDIC FDIC 86960 NA 1 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
great plains national bank CFTC-2013-0107 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59559 CFTC great plains national bank terry shelby NA NA great plains national bank NA NA NA NA NA great plains national bank 1.0000000 FDIC 217138 North Dakota NA NA NA NA NA NA NA NA NA great plains national bank-FDIC FDIC 217138 NA 3 3 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
huntington bank martinsburg national association CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1187 CFTC american bankers association bbt corporation bok financial comerica bank huntington national bank regions bank ex parte communication NA NA huntington bank martinsburg national association NA NA NA NA NA huntington bank martinsburg national association 0.6668734 FDIC 136447 West Virginia NA NA NA NA NA NA NA NA NA huntington bank martinsburg national association-FDIC FDIC 136447 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
jp morgan delaware CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1166 CFTC jp morgan ex parte communication NA NA jp morgan delaware NA NA NA NA NA jp morgan delaware 1.0000000 FDIC 2812803 Delaware NA NA NA NA NA NA NA NA NA jp morgan delaware-FDIC FDIC 2812803 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
bank new york mellon trust company national association CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=997 CFTC state street bank new york mellon northern trust ex parte communication NA NA bank new york mellon trust company national association NA NA NA NA NA bank new york mellon trust company national association 0.5018417 FDIC 2131826 California NA NA NA NA NA NA NA NA NA bank new york mellon trust company national association-FDIC FDIC 2131826 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
jp morgan delaware CFTC-2011-0049 1 https://comments.cftc.gov/PublicComments/ViewExParte.aspx?id=1095 CFTC jp morgan ex parte communication NA NA jp morgan delaware NA NA NA NA NA jp morgan delaware 1.0000000 FDIC 2812803 Delaware NA NA NA NA NA NA NA NA NA jp morgan delaware-FDIC FDIC 2812803 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
firstmerit bank fsb CFTC-2010-0153 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50300 CFTC firstmerit bank jason ebert NA NA firstmerit bank fsb NA NA NA NA NA firstmerit bank fsb 1.0000000 FDIC 119633 Florida NA NA NA NA NA NA NA NA NA firstmerit bank fsb-FDIC FDIC 119633 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2010-0153 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27084 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2010-0158 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26499 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
firstmerit bank fsb CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50301 CFTC firstmerit bank jason ebert NA NA firstmerit bank fsb NA NA NA NA NA firstmerit bank fsb 1.0000000 FDIC 119633 Florida NA NA NA NA NA NA NA NA NA firstmerit bank fsb-FDIC FDIC 119633 NA 2 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
oxford university bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=33431 CFTC university oxford simon driscoll NA NA oxford university bank NA NA NA NA NA oxford university bank 1.0000000 FDIC 131837 Mississippi NA NA NA NA NA NA NA NA NA oxford university bank-FDIC FDIC 131837 NA 2 4 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
silicon valley bank CFTC-2010-0115 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=4816 CFTC silicon valley forex lawrence pingree NA NA silicon valley bank NA NA NA NA NA silicon valley bank 0.8349614 FDIC 45813986 California NA NA NA NA NA NA NA NA NA silicon valley bank-FDIC FDIC 45813986 NA 3 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
frost bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28389 CFTC frost bank tim mccormick NA NA frost bank NA NA NA NA NA frost bank 1.0000000 FDIC 30552661 Texas NA NA NA NA NA NA NA NA NA frost bank-FDIC FDIC 30552661 NA 1 1 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA 2139676 2005846 NA NA NA NA 0
united republic bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=28135 CFTC republic united states special victim NA NA united republic bank NA NA NA NA NA united republic bank 0.8960139 FDIC 108100 Nebraska NA NA NA NA NA NA NA NA NA united republic bank-FDIC FDIC 108100 NA 1 2 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
regional bank CFTC-2011-0013 1 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56717 CFTC regional bank corey means NA NA regional bank NA NA NA NA NA regional bank 1.0000000 FDIC 251274 Indiana NA NA NA NA NA NA NA NA NA regional bank-FDIC FDIC 251274 NA 5 5 NA NA CFTC FDIC-Insured Bank All Other Rules NA NA NA NA NA NA NA NA 0
# nonprofits
p <- t %>% 
  filter(!is.na(assets)) %>% 
  ggplot() +
  aes(x = assets, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Assets",
       y = "Technical Terms",
       title = "Nonprofits")

p 

p + 
  scale_y_log10() +
  scale_x_log10()

# contribution
p <- t %>% 
  filter(!is.na(MeanContribAmount)) %>%
  ggplot() +
  aes(x = MeanContribAmount, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Average PAC Contribution",
       y = "Technical Terms",
       title = "Campaign Donors")

p

p + 
  scale_y_log10() +
  scale_x_log10()


p <- t %>% 
  filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = marketcap2/1000000000, 
      y = dictionary_terms) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Market Capitalization (Billions)",
       y = "Technical Terms",
       title = "Publicly-Traded Companies")

p 

p + 
  scale_y_log10() +
  scale_x_log10() + 
  xlim(c(0, 400))

Efficacy x assets

e <- d %>% drop_na(efficacy)


# FDIC ASSTS 
p <- e %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`)) %>% 
  ggplot() +
  aes(x = `FDIC_Institutions-bestMatch:ASSET`, # %>% log(), 
      y = efficacy ) + 
  geom_point(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets",
       y = "Number of Words in Comment\nAdded to Final Rule", 
       title = "FDIC-Insured Banks")

p

p + 
  scale_y_log10() +
  scale_x_log10()


e %>% 
  filter(!is.na(`FDIC_Institutions-bestMatch:ASSET`), efficacy == 0) %>%
  dplyr::select(org_name, everything() ) %>% 
  kablebox()
org_name docket_id comment_docket_count comment_url comment_agency comment_org_name comment_submitter_name CIK_name CreditUnions_name FDIC_Institutions_name FFIECInstitutions_name SEC_Institutions_name compustat_resources_name nonprofits_resources_name opensecrets_resources_jwVersion_name best_match_name best_match_score best_match_type FDIC_Institutions-bestMatch:ASSET FDIC_Institutions-bestMatch:STNAME CIK-bestMatch:marketcap SEC_Institutions-bestMatch:Ticker compustat_resources-bestMatch:marketcap compustat_resources-bestMatch:naics nonprofits_resources-bestMatch:assets nonprofits_resources-bestMatch:revenue nonprofits_resources-bestMatch:ein opensecrets_resources_jwVersion-bestMatch:MeanContribAmountPerYearContributed opensecrets_resources_jwVersion-bestMatch:TotalContribAmount matches org_type org_resources opensecrets_resources_name org_comments best_match_org_comments marketcap marketcap2 Agency Org_type payday MeanContribAmount TotalContribAmount assets revenue naics Total Assets efficacy Total_Legal_Citations dictionary_terms
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148772 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 24
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148771 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 116
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148775 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 42
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148773 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 79
pine belt federal savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-148774 CFPB pine federal credit union terry tucker NA NA pine belt federal savings loan association NA NA NA NA NA pine belt federal savings loan association 0.9789054 FDIC 72626 Mississippi NA NA NA NA NA NA NA NA NA pine belt federal savings loan association-FDIC FDIC 72626 NA 6 6 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 26
first american savings loan association CFPB-2016-0025 1 https://www.regulations.gov/comment/CFPB-2016-0025-199026 CFPB first american loan first american loan first american loan NA NA first american savings loan association NA NA NA NA NA first american savings loan association 1.0000000 FDIC 34249 Illinois NA NA NA NA NA NA NA NA NA first american savings loan association-FDIC FDIC 34249 NA 2 2 NA NA CFPB FDIC-Insured Bank Payday Loan Rules NA NA NA NA NA NA 0 0 25
progress bank R-1438_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140307/R-1483/R-1483_021314_112095_541706233068_1.pdf FRS progress bank james d brown NA NA progress bank NA NA NA NA NA progress bank 1.0000000 FDIC 1160733 Pennsylvania NA NA NA NA NA NA NA NA NA progress bank-FDIC FDIC 1160733 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 26
sound community bank R-1438_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140325/R-1483/R-1483_032514_112152_593835800716_1.pdf FRS sound community bank gary l boman NA NA sound community bank NA NA NA NA NA sound community bank 1.0000000 FDIC 574740 Washington NA NA NA NA NA NA NA NA NA sound community bank-FDIC FDIC 574740 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 52
progress bank R-1482_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140307/R-1482/R-1483_021314_112095_541706233068_1.pdf FRS progress bank james d brown NA NA progress bank NA NA NA NA NA progress bank 1.0000000 FDIC 1160733 Pennsylvania NA NA NA NA NA NA NA NA NA progress bank-FDIC FDIC 1160733 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 26
sound community bank R-1482_V1 1 https://www.federalreserve.gov/SECRS/2014/March/20140325/R-1482/R-1482_032514_112149_593395313546_1.pdf FRS sound community bank gary l boman NA NA sound community bank NA NA NA NA NA sound community bank 1.0000000 FDIC 574740 Washington NA NA NA NA NA NA NA NA NA sound community bank-FDIC FDIC 574740 NA 3 3 NA NA FRS FDIC-Insured Bank All Other Rules NA NA NA NA NA NA 0 0 50
# nonprofits
p <- e %>% 
  filter(!is.na(assets)) %>% 
  ggplot() +
  aes(x = assets, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Assets",
       y = "Number of Words in Comment\nAdded to Final Rule", 
       title = "Nonprofits")

p

p + 
  scale_y_log10() +
  scale_x_log10()


# contribution
p <- e %>% 
  filter(!is.na(MeanContribAmount)) %>%
  ggplot() +
  aes(x = MeanContribAmount, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Average PAC Contribution",
       y = "Words in Comment\nAdded to Final Rule",
       title = "Campaign Donors")

p

p + 
  scale_y_log10() +
  scale_x_log10()

# market cap
p <- e %>% 
  filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = marketcap2, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) +
  labs(x = "Market Capitalization",
       y = "Number of Words in Comment\nAdded to Final Rule",
       title = "Publicly-traded Companies")

p

p + 
  scale_y_log10() +
  scale_x_log10()

Efficacy x sophistication

p <- e %>% 
  ggplot() +
  aes(x = Total_Legal_Citations, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Legal Citations",
       y = "Number of Words in Comment\nAdded to Final Rule") 

p

p + 
  scale_y_log10() +
  scale_x_log10()

p <- e %>% 
  #filter(!is.na(marketcap2)) %>% 
  ggplot() +
  aes(x = dictionary_terms, 
      y = efficacy) + 
  geom_jitter(alpha = .5) + 
  geom_smooth(method = "lm"
  ) + 
  labs(x = "Technical Terms",
       y = "Number of Words in Comment\nAdded to Final Rule") 

p

p + 
  scale_y_log10() +
  scale_x_log10()


Regressions

# change knitr defaults 
knitr::opts_chunk$set(fig.show="show",
                      fig.height=1, 
                      fig.width=5, 
                      out.width = "80%")

# rename coeficients for tables and plots 
cm = c("ASSET" = "Assets",
       "ASSETS" = "Assets (Hundreds of Millions)",
       "Assets" = "Assets (Billions)",
       "assets" = "Assets",
       "marketcap2" = "Market Capitalization",
       "Class SM" = "State Bank",
       "Class SB" = "Savings Bank",
       "Class SA" = "Savings Association",
       "Class NM" = "Commercial Bank",
       "ASSETS:Class SM" = "Assets x State Bank",
       "ASSETS:Class SB" = "Assets x Savings Bank",
       "ASSETS:Class SA" = "Assets x Savings Association",
       "ASSETS:Class NM" = "Assets x Commercial Bank",
       "dictionary_terms" = "Technical Terms",
       "Total_Legal_Citations" = "Legal Citations")

gm = list("Num.Obs." = "Number of Comments",
       "R2" = "R2",
       "AIC" = "AIC")

Sophistication

NOTE: I’m using OLS for now but will switch to Poisson or Negative Binomial.

Bluebook

b %>% drop_na(assets, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% 
  dplyr::select(assets, Total_Legal_Citations, comment_url) %>% 
  kablebox()
assets Total_Legal_Citations comment_url
147073247 273 https://www.regulations.gov/comment/CFPB-2016-0025-3913
325391 149 https://www.regulations.gov/comment/CFPB-2014-0033-0164
325391 144 https://www.regulations.gov/comment/CFPB-2011-0007-0006
325391 144 https://www.regulations.gov/comment/CFPB-2011-0005-0008
325391 144 https://www.regulations.gov/comment/CFPB-2011-0006-0006
325391 144 https://www.regulations.gov/comment/CFPB-2011-0003-0009
17440205 114 https://www.regulations.gov/comment/CFPB-2013-0033-0386
17440205 96 https://www.regulations.gov/comment/CFPB-2016-0020-5831
17440205 86 https://www.regulations.gov/comment/CFPB-2014-0033-0136
5568496 84 https://www.sec.gov/comments/s7-03-13/s70313-335.pdf
4642138 82 https://www.regulations.gov/comment/CFPB-2013-0033-0393
4205309 80 https://www.regulations.gov/comment/CFPB-2016-0025-154512
2522436 75 https://www.regulations.gov/comment/CFPB-2016-0025-142779
281328 63 https://www.regulations.gov/comment/CFPB-2014-0033-0056
3898749 62 https://www.sec.gov/comments/s7-02-13/s70213-42.pdf
10519520 57 https://www.regulations.gov/comment/CFPB-2012-0028-2732
10519520 57 https://www.regulations.gov/comment/CFPB-2012-0028-2782
3623362 56 https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf
10769784 52 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf
325391 51 https://www.regulations.gov/comment/CFPB-2014-0033-0144
17440205 49 https://www.regulations.gov/comment/CFPB-2013-0002-0876
1163000 48 https://www.regulations.gov/comment/CFPB-2014-0033-0117
3858601 45 https://www.regulations.gov/comment/CFPB-2016-0020-4318
856845 45 https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1438/R-1438_043012_107236_478911121698_1.pdf
1493337 45 https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf
325391 44 https://www.regulations.gov/comment/CFPB-2012-0028-2765
325391 43 https://www.regulations.gov/comment/CFPB-2014-0019-0256
325391 41 https://www.regulations.gov/comment/CFPB-2013-0018-0274
17440205 40 https://www.regulations.gov/comment/CFPB-2012-0034-0098
17440205 40 https://www.regulations.gov/comment/CFPB-2012-0028-2811
17440205 36 https://www.regulations.gov/comment/CFPB-2011-0008-1294
1493337 36 https://www.regulations.gov/comment/CFPB-2012-0022-0141
3898749 36 https://www.sec.gov/comments/s7-06-13/s70613-410.pdf
4205309 36 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_84149_582986006434_1.pdf
3630494 36 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59673
3630494 36 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59674
325391 34 https://www.regulations.gov/comment/CFPB-2013-0033-0322
239942508 33 https://www.sec.gov/comments/s7-12-15/s71215-67.pdf
129958383 32 https://www.regulations.gov/comment/CFPB-2012-0028-2673
129958383 32 https://www.regulations.gov/comment/CFPB-2011-0006-0005
129958383 32 https://www.regulations.gov/comment/CFPB-2011-0007-0005
325391 31 https://www.regulations.gov/comment/CFPB-2012-0028-0488
325391 31 https://www.regulations.gov/comment/CFPB-2012-0029-0123
3898749 31 https://www.sec.gov/comments/s7-23-07/s72307-52.pdf
1206948 31 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27986
129958383 30 https://www.sec.gov/comments/s7-41-11/s74111-280.pdf
129958383 30 https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf
129958383 30 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56779
1631980 30 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60006
129958383 29 https://www.regulations.gov/comment/CFPB-2016-0025-145307
129958383 29 https://www.regulations.gov/comment/CFPB-2016-0025-143966
17440205 28 https://www.regulations.gov/comment/CFPB-2012-0029-0093
17440205 28 https://www.regulations.gov/comment/CFPB-2012-0029-0138
129958383 27 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf
325391 26 https://www.regulations.gov/comment/CFPB-2013-0010-0072
3898749 26 https://www.sec.gov/comments/s7-03-13/s70313-260.pdf
15004509 26 https://www.sec.gov/comments/s7-14-11/s71411-477.pdf
16527796 26 https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf
15004509 26 https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111505_347820850655_1.pdf
6705 26 https://www.federalreserve.gov/SECRS/2013/February/20130225/R-1442/R-1442_102212_109752_308151608828_1.pdf
56229 26 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26871
56229 26 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26873
101575280 25 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61103
129958383 24 https://www.regulations.gov/comment/CFPB-2012-0022-0133
15004509 24 https://www.sec.gov/comments/s7-41-11/s74111-595.pdf
3898749 24 https://www.sec.gov/comments/s7-08-12/s70812-4661033-176513.pdf
2383557424 24 https://www.sec.gov/comments/s7-41-11/s74111-253.pdf
29950244 24 https://www.sec.gov/comments/s7-42-10/s74210-45.pdf
15004509 24 https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf
607993699 24 https://www.federalreserve.gov/SECRS/2011/April/20110405/R-1404/R-1404_022211_67820_571445654740_1.pdf
41801 23 https://www.regulations.gov/comment/CFPB-2016-0020-4256
2522436 23 https://www.regulations.gov/comment/CFPB-2016-0025-143313
1493337 23 https://www.regulations.gov/comment/CFPB-2012-0034-0146
1493337 23 https://www.regulations.gov/comment/CFPB-2012-0033-0162
17440205 23 https://www.regulations.gov/comment/CFPB-2012-0037-0697
10769784 23 https://www.regulations.gov/comment/CFPB-2011-0003-0007
10769784 23 https://www.sec.gov/comments/s7-18-08/s71808-79.pdf
125619 22 https://www.regulations.gov/comment/CFPB-2016-0020-2974
201795 22 https://www.regulations.gov/comment/CFPB-2014-0024-0030
325391 22 https://www.regulations.gov/comment/CFPB-2012-0034-0144
325391 22 https://www.regulations.gov/comment/CFPB-2012-0033-0161
95102 22 https://www.sec.gov/comments/s7-42-10/s74210-114.pdf
27974396 22 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56804
17440205 21 https://www.regulations.gov/comment/CFPB-2014-0033-0029
17440205 21 https://www.regulations.gov/comment/CFPB-2013-0031-0019
959629 21 https://www.federalreserve.gov/SECRS/2017/May/20170518/R-1550/R-1550_021717_131709_429070260162_1.pdf
3504695 21 https://www.federalreserve.gov/SECRS/2012/March/20120321/R-1432/R-1432_021312_105388_329625197266_1.pdf
325391 20 https://www.sec.gov/comments/s7-14-11/s71411-472.pdf
3623362 20 https://www.federalreserve.gov/SECRS/2014/September/20140909/R-1492/R-1492_081114_129586_426052826308_1.pdf
325391 20 https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111548_566101121654_1.pdf
16527796 20 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60385
3898749 19 https://www.sec.gov/comments/s7-14-11/s71411-433.pdf
1493337 19 https://www.sec.gov/comments/s7-14-11/s71411-379.pdf
1493337 19 https://www.federalreserve.gov/SECRS/2013/November/20131112/R-1411/R-1411_102413_111429_581213386453_1.pdf
3898749 19 https://www.federalreserve.gov/SECRS/2013/December/20131218/R-1411/R-1411_103013_111521_347818506785_1.pdf
17440205 19 https://www.federalreserve.gov/SECRS/2011/February/20110203/R-1394/R-1394_122710_57897_507546848429_1.pdf
16527796 19 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26810
245610 18 https://www.regulations.gov/comment/CFPB-2016-0020-6119
68 18 https://www.regulations.gov/comment/CFPB-2016-0025-142821
17440205 18 https://www.regulations.gov/comment/CFPB-2014-0019-0137
129958383 18 https://www.regulations.gov/comment/CFPB-2012-0037-0702
16527796 18 https://www.sec.gov/comments/s7-08-12/s70812-28.pdf
2559632 18 https://www.sec.gov/comments/s7-40-10/s74010-93.pdf
3623362 18 https://www.federalreserve.gov/SECRS/2016/August/20160805/R-1534/R-1534_060316_130278_609556212671_1.pdf
1033863 18 https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130421_423054023019_1.pdf
16527796 18 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59600
10626606 17 https://www.regulations.gov/comment/CFPB-2016-0020-4153
10519520 17 https://www.regulations.gov/comment/CFPB-2012-0028-0714
325391 17 https://www.regulations.gov/comment/CFPB-2011-0008-1406
17440205 17 https://www.regulations.gov/comment/CFPB-2012-0029-0240
17440205 17 https://www.regulations.gov/comment/CFPB-2012-0028-2845
9683853 17 https://www.regulations.gov/comment/CFPB-2013-0005-0057
1919149 17 https://www.regulations.gov/comment/CFPB-2012-0021-0029
56014529 17 https://www.sec.gov/comments/s7-09-15/s70915-37.pdf
32863546 17 https://www.sec.gov/comments/s7-33-10/s73310-194.pdf
2559632 17 https://www.sec.gov/comments/s7-42-10/s74210-34.pdf
10769784 17 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1536/R-1536_080316_130390_356976379332_1.pdf
325391 17 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072311_84200_576707448388_1.pdf
34823119 17 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58873
14111003 17 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26875
5671 16 https://www.regulations.gov/comment/CFPB-2016-0020-4552
4205309 16 https://www.regulations.gov/comment/CFPB-2012-0029-0101
3175 16 https://www.sec.gov/comments/s7-41-11/s74111-604.pdf
61401498 16 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130418_401541610117_1.pdf
607993699 16 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59278
3175 16 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58835
55379987 16 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61059
55379987 16 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61253
14679503 15 https://www.regulations.gov/comment/CFPB-2016-0020-5528
3179655 15 https://www.regulations.gov/comment/CFPB-2016-0020-5829
949443 15 https://www.regulations.gov/comment/CFPB-2012-0029-0088
401341 15 https://www.regulations.gov/comment/CFPB-2012-0028-2816
325391 15 https://www.regulations.gov/comment/CFPB-2012-0022-0121
36142509 15 https://www.sec.gov/comments/s7-37-10/s73710-128.pdf
914283511 15 https://www.sec.gov/comments/s7-05-11/s70511-38.pdf
36142509 15 https://www.sec.gov/comments/s7-36-10/s73610-81.pdf
16527796 15 https://www.sec.gov/comments/s7-07-16/s70716-1761663-152156.pdf
10769784 15 https://www.sec.gov/comments/s7-06-15/s70615-23.pdf
470981767 15 https://www.sec.gov/comments/s7-12-15/s71215-15.pdf
129958383 15 https://www.federalreserve.gov/SECRS/2016/August/20160802/R-1536/R-1536_072116_130349_552112583565_1.pdf
325391 15 https://www.federalreserve.gov/SECRS/2011/December/20111216/R-1411/R-1411_080111_87570_409302868988_1.pdf
5294 15 https://www.federalreserve.gov/SECRS/2012/December/20121228/R-1442/R-1442_102212_110000_386242109442_1.pdf
4205309 14 https://www.regulations.gov/comment/CFPB-2013-0002-0895
17440205 14 https://www.regulations.gov/comment/CFPB-2011-0004-0007
58834 14 https://www.regulations.gov/comment/CFPB-2012-0022-0086
3898749 14 https://www.sec.gov/comments/s7-40-11/s74011-5.pdf
4810854 14 https://www.sec.gov/comments/s7-26-10/s72610-55.pdf
2844521 14 https://www.sec.gov/comments/s7-12-11/s71211-707.pdf
27358153 14 https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf
27358153 14 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56686
61401498 14 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27742
3175 14 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47794
3623362 14 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61208
105827166 13 https://www.regulations.gov/comment/CFPB-2016-0020-4195
401341 13 https://www.regulations.gov/comment/CFPB-2012-0029-0055
653451 13 https://www.regulations.gov/comment/CFPB-2012-0028-2908
4205309 13 https://www.regulations.gov/comment/CFPB-2011-0004-0009
3898749 13 https://www.sec.gov/comments/s7-06-11/s70611-147.pdf
3898749 13 https://www.sec.gov/comments/s7-43-10/s74310-31.pdf
3898749 13 https://www.sec.gov/comments/s7-32-10/s73210-27.pdf
3898749 13 https://www.sec.gov/comments/s7-35-10/s73510-43.pdf
16527796 13 https://www.sec.gov/comments/s7-32-10/s73210-14.pdf
3898749 13 https://www.sec.gov/comments/s7-08-11/s70811-60.pdf
3898749 13 https://www.sec.gov/comments/s7-34-10/s73410-112.pdf
3898749 13 https://www.sec.gov/comments/s7-03-11/s70311-8.pdf
3898749 13 https://www.sec.gov/comments/s7-25-11/s72511-49.pdf
3898749 13 https://www.sec.gov/comments/s7-08-12/s70812-46.pdf
3898749 13 https://www.sec.gov/comments/s7-40-11/s74011-19.pdf
3898749 13 https://www.sec.gov/comments/s7-27-10/s72710-153.pdf
9447466 13 https://www.federalreserve.gov/SECRS/2016/November/20161122/R-1539/R-1539_091516_130509_561453456834_1.pdf
5294 13 https://www.federalreserve.gov/SECRS/2013/May/20130521/R-1438/R-1438_043013_111132_562676223962_1.pdf
129958383 13 https://www.federalreserve.gov/SECRS/2011/May/20110519/R-1413/R-1413_051611_69709_537227626352_1.pdf
34823119 13 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60943
128273933 13 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26872
16527796 13 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26811
3898749 13 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59715
12185222 12 https://www.regulations.gov/comment/CFPB-2016-0020-3924
325391 12 https://www.regulations.gov/comment/CFPB-2014-0033-0165
3179655 12 https://www.regulations.gov/comment/CFPB-2014-0010-0066
5166418 12 https://www.regulations.gov/comment/CFPB-2012-0028-2785
17440205 12 https://www.regulations.gov/comment/CFPB-2012-0050-0103
17440205 12 https://www.regulations.gov/comment/CFPB-2012-0050-0114
2844265 12 https://www.regulations.gov/comment/CFPB-2013-0018-0108
576729 12 https://www.regulations.gov/comment/CFPB-2012-0021-0012
1206948 12 https://www.sec.gov/comments/s7-39-10/s73910-44.pdf
56014529 12 https://www.sec.gov/comments/s7-41-11/s74111-454.pdf
5568496 12 https://www.sec.gov/comments/s7-03-13/s70313-157.pdf
3898749 12 https://www.sec.gov/comments/s7-08-12/s70812-34.pdf
3623362 12 https://www.sec.gov/comments/s7-06-15/s70615-16.pdf
129958383 12 https://www.sec.gov/comments/s7-45-10/s74510-551.pdf
3858601 12 https://www.federalreserve.gov/SECRS/2017/February/20170206/R-1550/R-1550_011317_131681_551357712049_1.pdf
36763879 12 https://www.federalreserve.gov/SECRS/2011/October/20111011/R-1404/R-1404_093011_87713_427520391176_1.pdf
145947 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48010
1 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=48158
145947 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47857
56014529 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56675
514968 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56670
144571 12 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61136
492451 11 https://www.regulations.gov/comment/CFPB-2014-0033-0119
1088918 11 https://www.regulations.gov/comment/CFPB-2013-0033-0395
97134 11 https://www.regulations.gov/comment/CFPB-2012-0028-0652
97134 11 https://www.regulations.gov/comment/CFPB-2011-0031-0018
15004509 11 https://www.sec.gov/comments/s7-41-11/s74111-264.pdf
239942508 11 https://www.sec.gov/comments/s7-01-15/s70115-22.pdf
10769784 11 https://www.sec.gov/comments/s7-12-15/s71215-40.pdf
128273933 11 https://www.sec.gov/comments/s7-42-10/s74210-10.pdf
29193986 11 https://www.federalreserve.gov/SECRS/2013/May/20130528/R-1438/R-1438_043013_111122_562504653776_1.pdf
15004509 11 https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105387_329626446042_1.pdf
607993699 11 https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf
56014529 11 https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf
5166418 11 https://www.federalreserve.gov/SECRS/2013/June/20130621/R-1442/R-1442_102212_110154_310593476676_1.pdf
1033863 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59912
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44731
20551812 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57384
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44733
34823119 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60382
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44730
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44729
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58149
3630494 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27571
3630494 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58099
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44734
101575280 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=44735
1 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60023
3623362 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47699
3623362 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47696
3898749 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60557
3475203 11 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59670
2560594 10 https://www.regulations.gov/comment/CFPB-2016-0025-143356
1323620 10 https://www.regulations.gov/comment/CFPB-2014-0033-0071
17440205 10 https://www.regulations.gov/comment/CFPB-2015-0029-0734
494330 10 https://www.regulations.gov/comment/CFPB-2013-0033-0273
540152 10 https://www.regulations.gov/comment/CFPB-2012-0028-0398
17440205 10 https://www.regulations.gov/comment/CFPB-2013-0010-0031
3898749 10 https://www.sec.gov/comments/s7-07-11/s70711-40.pdf
105827166 10 https://www.sec.gov/comments/s7-14-11/s71411-462.pdf
11557207 10 https://www.sec.gov/comments/s7-12-11/s71211-631.pdf
3623362 10 https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1548/R-1548_112316_131606_492807316321_1.pdf
20551812 10 https://www.federalreserve.gov/SECRS/2012/February/20120224/R-1432/R-1432_021312_104945_362702143896_1.pdf
105827166 10 https://www.federalreserve.gov/SECRS/2013/December/20131218/R-1411/R-1411_103013_111508_347818663043_1.pdf
2844521 10 https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf
11557207 10 https://www.federalreserve.gov/SECRS/2011/June/20110617/R-1410/R-1410_053111_81288_222739906267_1.pdf
17440205 10 https://www.federalreserve.gov/SECRS/2011/April/20110418/R-1407/R-1407_041411_69409_356811078835_1.pdf
26997312 10 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022311_67637_571685659348_1.pdf
7684967 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27858
144571 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61054
1631980 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59623
14054477 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59602
3898749 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58195
16527796 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=49948
55379987 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60009
128273933 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47760
16527796 10 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60533
325391 9 https://www.regulations.gov/comment/CFPB-2014-0033-0147
325391 9 https://www.regulations.gov/comment/CFPB-2016-0016-0016
1493337 9 https://www.regulations.gov/comment/CFPB-2014-0033-0131
4205309 9 https://www.regulations.gov/comment/CFPB-2015-0004-0082
325391 9 https://www.regulations.gov/comment/CFPB-2014-0009-0034
95111 9 https://www.regulations.gov/comment/CFPB-2012-0037-0659
9683853 9 https://www.regulations.gov/comment/CFPB-2012-0005-0026
2890989 9 https://www.regulations.gov/comment/CFPB-2012-0021-0015
3898749 9 https://www.sec.gov/comments/s7-41-11/s74111-672.pdf
3898749 9 https://www.sec.gov/comments/s7-03-15/s70315-8.pdf
10769784 9 https://www.sec.gov/comments/s7-02-13/s70213-53.pdf
1631980 9 https://www.sec.gov/comments/s7-03-13/s70313-210.pdf
71278 9 https://www.sec.gov/comments/s7-39-10/s73910-10.pdf
3623362 9 https://www.sec.gov/comments/s7-39-10/s73910-8.pdf
56014529 9 https://www.sec.gov/comments/s7-08-12/s70812-72.pdf
239942508 9 https://www.sec.gov/comments/s7-33-10/s73310-253.pdf
239942508 9 https://www.sec.gov/comments/s7-18-11/s71811-56.pdf
239942508 9 https://www.sec.gov/comments/s7-14-11/s71411-496.pdf
15004509 9 https://www.sec.gov/comments/s7-14-11/s71411-358.pdf
105827166 9 https://www.sec.gov/comments/s7-14-11/s71411-271.pdf
15004509 9 https://www.sec.gov/comments/s7-14-11/s71411-223.pdf
9683853 9 https://www.federalreserve.gov/SECRS/2011/April/20110401/R-1405/R-1405_033011_69275_589593845201_1.pdf
3623362 9 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1537/R-1537_080516_130409_401448168278_1.pdf
5568496 9 https://www.federalreserve.gov/SECRS/2013/May/20130515/R-1455/R-1455_050313_111139_616419215155_1.pdf
568749 9 https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_105542_501418775515_1.pdf
105827166 9 https://www.federalreserve.gov/SECRS/2011/August/20110804/R-1411/R-1411_080111_87488_417746360526_1.pdf
3504695 9 https://www.federalreserve.gov/SECRS/2012/September/20120927/R-1432/R-1432_092112_108372_420990427684_1.pdf
61621 9 https://www.federalreserve.gov/SECRS/2011/November/20111117/R-1411/R-1411_080111_87585_417747454283_1.pdf
15004509 9 https://www.federalreserve.gov/SECRS/2013/April/20130415/R-1411/R-1411_040113_111052_486187566706_1.pdf
2844265 9 https://www.federalreserve.gov/SECRS/2012/November/20121109/R-1443/R-1443_101512_108728_314520277711_1.pdf
20869567 9 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67846_571602220246_1.pdf
55379987 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58889
3623362 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27052
3175 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56673
1033863 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60949
7684967 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58378
34823119 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27510
3898749 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61257
3623362 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27051
3898749 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60062
56014529 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60005
101575280 9 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26911
4449719 8 https://www.regulations.gov/comment/CFPB-2013-0033-0259
401341 8 https://www.regulations.gov/comment/CFPB-2012-0028-0458
17440205 8 https://www.regulations.gov/comment/CFPB-2012-0033-0087
401341 8 https://www.regulations.gov/comment/CFPB-2012-0037-0220
389344 8 https://www.regulations.gov/comment/CFPB-2012-0033-0165

These models have the prefix mb_. The dependent variable is a count of technical terms per comment.

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Sophistication",
  `2` = "Sophistication",
  `3` = "Sophistication"
)

attr(rows, 'position') <- c(0)


mb_assets <- lm(Total_Legal_Citations ~ assets,  data = b  %>% mutate(assets = assets/10000000000))

mb_opensecrets <- glm(Total_Legal_Citations ~ MeanContribAmount,
           data = b %>% mutate(MeanContribAmount = MeanContribAmount/10000))

mb_marketcap <- glm(Total_Legal_Citations ~ marketcap2,
           data = b  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(mb_assets, mb_opensecrets, mb_marketcap)

modelsummary(models)
Model 1 Model 2 Model 3
Dependent Variable Sophistication Sophistication Sophistication
Assets −0.196
(0.195)
MeanContribAmount 0.000*
(0.000)
Market Capitalization 0.274***
(0.039)
Num.Obs. 7987 2032 403
R2 0.000
R2 Adj. 0.000
AIC 53036.1 12042.2 2407.7
BIC 53057.1 12059.1 2419.7
Log.Lik. −26515.057 −6018.106 −1200.858
F 1.017
RMSE 6.69 4.68 4.77
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
modelplot(mb_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Additional Legal Citations per Ten Thousand Dollars")

modelplot(mb_marketcap) + theme(legend.position = "none") +  
  labs(x = "Additional Legal Citations per Ten Billion Dollars")

Technical Terms

These models have the prefix mt_. The dependent variable is a count of technical terms per comment.

t %>% drop_na(assets, dictionary_terms) %>% 
  arrange(-dictionary_terms) %>% 
  dplyr::select(assets, dictionary_terms, comment_url) %>% 
  kablebox()
assets dictionary_terms comment_url
4205309 47531 https://www.regulations.gov/comment/CFPB-2016-0025-154512
607993699 34328 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59278
17440205 26080 https://www.regulations.gov/comment/CFPB-2013-0033-0386
3623362 24811 https://www.federalreserve.gov/SECRS/2013/May/20130517/R-1438/R-1438_043013_111113_555179652070_1.pdf
350942 21388 https://www.sec.gov/comments/s7-08-10/s70810-60.pdf
239942508 20708 https://www.sec.gov/comments/s7-14-11/s71411-133.pdf
239942508 20691 https://www.federalreserve.gov/SECRS/2012/June/20120607/R-1411/R-1411_050212_107284_511638451448_1.pdf
4642138 20190 https://www.regulations.gov/comment/CFPB-2013-0033-0393
129958383 19544 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_102212_110014_386243203248_1.pdf
2522436 18202 https://www.regulations.gov/comment/CFPB-2016-0025-143313
325391 16402 https://www.regulations.gov/comment/CFPB-2014-0033-0164
147073247 16394 https://www.regulations.gov/comment/CFPB-2016-0025-3913
14549 15579 https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_071816_130347_536946206490_1.pdf
41801 15569 https://www.regulations.gov/comment/CFPB-2016-0020-4256
325391 14287 https://www.regulations.gov/comment/CFPB-2013-0018-0274
17440205 14194 https://www.regulations.gov/comment/CFPB-2016-0020-5831
792265099 12891 https://www.regulations.gov/comment/CFPB-2016-0025-142716
325391 12826 https://www.regulations.gov/comment/CFPB-2013-0010-0072
56014529 12291 https://www.sec.gov/comments/s7-09-15/s70915-37.pdf
2522436 11944 https://www.regulations.gov/comment/CFPB-2016-0025-142779
1 11752 https://www.sec.gov/comments/s7-14-11/s71411-448.pdf
10519520 11724 https://www.regulations.gov/comment/CFPB-2012-0028-2732
10519520 11724 https://www.regulations.gov/comment/CFPB-2012-0028-2782
1493337 11318 https://www.regulations.gov/comment/CFPB-2012-0034-0146
1493337 11318 https://www.regulations.gov/comment/CFPB-2012-0033-0162
287090 11217 https://www.sec.gov/comments/s7-40-10/s74010-566.pdf
162861 11132 https://www.regulations.gov/comment/CFPB-2013-0033-0381
17440205 10933 https://www.regulations.gov/comment/CFPB-2014-0033-0136
239942508 10907 https://www.sec.gov/comments/s7-12-15/s71215-67.pdf
129958383 10420 https://www.regulations.gov/comment/CFPB-2012-0028-2673
56014529 10274 https://www.sec.gov/comments/s7-03-13/s70313-200.pdf
56014529 10255 https://www.federalreserve.gov/SECRS/2011/October/20111027/R-1411/R-1411_072911_84795_375984547538_1.pdf
137397062 10174 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27632
239942508 9858 https://www.sec.gov/comments/s7-14-11/s71411-496.pdf
325391 9630 https://www.regulations.gov/comment/CFPB-2012-0028-2765
325391 9527 https://www.regulations.gov/comment/CFPB-2012-0034-0144
325391 9527 https://www.regulations.gov/comment/CFPB-2012-0033-0161
4664210 9006 https://www.sec.gov/comments/s7-42-10/s74210-111.pdf
55379987 8803 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60009
5568496 8772 https://www.sec.gov/comments/s7-03-13/s70313-335.pdf
215273019 8719 https://www.sec.gov/comments/s7-42-10/s74210-29.pdf
10769784 8175 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67462_559315186904_1.pdf
101575280 8022 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61103
1493337 7887 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101712_109231_345804474500_1.pdf
9683853 7868 https://www.regulations.gov/comment/CFPB-2013-0033-0257
1493337 7801 https://www.federalreserve.gov/SECRS/2011/September/20110913/R-1417/R-1417_072211_83618_591648672754_1.pdf
17440205 7796 https://www.regulations.gov/comment/CFPB-2012-0037-0697
5162052 7741 https://www.sec.gov/comments/s7-07-15/s70715-7.pdf
607993699 7693 https://www.federalreserve.gov/SECRS/2012/April/20120409/R-1432/R-1432_021412_104998_542080912901_1.pdf
4774661 7676 https://www.federalreserve.gov/SECRS/2011/July/20110720/R-1411/R-1411_071911_82486_515342202512_1.pdf
514968 7642 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56670
4774661 7568 https://www.federalreserve.gov/SECRS/2011/August/20110816/R-1411/R-1411_071911_83003_343758551646_1.pdf
1493337 7565 https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1411/R-1411_071111_81843_461173881221_1.pdf
2739095521 7509 https://www.sec.gov/comments/s7-12-11/s71211-525.pdf
2739095521 7505 https://www.federalreserve.gov/SECRS/2011/June/20110617/R-1410/R-1410_052711_80831_567300351176_1.pdf
2739095521 7474 https://www.sec.gov/comments/s7-13-11/s71311-13.pdf
128273933 7442 https://www.sec.gov/comments/s7-42-10/s74210-10.pdf
16527796 7382 https://www.federalreserve.gov/SECRS/2016/September/20160922/R-1538/R-1538_081216_130440_501330514494_1.pdf
245610 7144 https://www.regulations.gov/comment/CFPB-2016-0020-6119
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0007-0006
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0005-0008
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0006-0006
325391 7083 https://www.regulations.gov/comment/CFPB-2011-0003-0009
2844521 7051 https://www.federalreserve.gov/SECRS/2012/April/20120418/R-1432/R-1432_021312_104991_420900605035_1.pdf
239942508 6947 https://www.sec.gov/comments/s7-07-13/s70713-957.pdf
17440205 6874 https://www.regulations.gov/comment/CFPB-2012-0034-0098
56014529 6822 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56675
56014529 6791 https://www.sec.gov/comments/s7-41-11/s74111-454.pdf
1493337 6777 https://www.sec.gov/comments/s7-14-11/s71411-96.pdf
56014529 6743 https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1432/R-1432_021312_104980_555632790183_1.pdf
1493337 6495 https://www.regulations.gov/comment/CFPB-2012-0022-0141
3630494 6440 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59673
3630494 6440 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59674
16527796 6419 https://www.sec.gov/comments/s7-07-16/s70716-1761663-152156.pdf
10769784 6327 https://www.federalreserve.gov/SECRS/2011/September/20110919/R-1411/R-1411_080111_86569_410806316110_1.pdf
80805 6230 https://www.regulations.gov/comment/CFPB-2011-0008-0831
80805 6226 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_83475_406852841107_1.pdf
27358153 6215 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56686
10769784 6153 https://www.sec.gov/comments/s7-14-11/s71411-250.pdf
1919149 6056 https://www.regulations.gov/comment/CFPB-2013-0033-0258
27974396 6041 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56804
1493337 6025 https://www.federalreserve.gov/SECRS/2013/November/20131112/R-1411/R-1411_102413_111429_581213386453_1.pdf
17440205 6013 https://www.regulations.gov/comment/CFPB-2011-0008-1294
4205309 6007 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072211_84149_582986006434_1.pdf
27358153 5972 https://www.federalreserve.gov/SECRS/2012/April/20120404/R-1432/R-1432_021312_105394_439624102018_1.pdf
10769784 5949 https://www.sec.gov/comments/s7-02-13/s70213-53.pdf
61401498 5926 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27742
1987617 5916 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=45825
1493337 5894 https://www.sec.gov/comments/s7-14-11/s71411-379.pdf
325391 5891 https://www.regulations.gov/comment/CFPB-2014-0033-0144
129958383 5815 https://www.regulations.gov/comment/CFPB-2016-0025-145307
129958383 5815 https://www.regulations.gov/comment/CFPB-2016-0025-143966
80805 5775 https://www.federalreserve.gov/SECRS/2011/December/20111220/R-1411/R-1411_080111_87569_417744798016_1.pdf
15004509 5765 https://www.sec.gov/comments/s7-14-11/s71411-358.pdf
61621 5765 https://www.federalreserve.gov/SECRS/2011/November/20111117/R-1411/R-1411_080111_87585_417747454283_1.pdf
105827166 5763 https://www.federalreserve.gov/SECRS/2011/August/20110804/R-1411/R-1411_080111_87488_417746360526_1.pdf
15004509 5763 https://www.federalreserve.gov/SECRS/2013/April/20130415/R-1411/R-1411_040113_111052_486187566706_1.pdf
717290 5743 https://www.sec.gov/comments/s7-40-10/s74010-282.pdf
4810854 5728 https://www.sec.gov/comments/s7-45-10/s74510-655.pdf
105827166 5720 https://www.sec.gov/comments/s7-14-11/s71411-271.pdf
10769784 5687 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1536/R-1536_080316_130390_356976379332_1.pdf
23650324 5593 https://www.federalreserve.gov/SECRS/2013/November/20131105/R-1432/R-1432_103013_111527_408670930090_1.pdf
68 5591 https://www.regulations.gov/comment/CFPB-2016-0025-142821
129958383 5567 https://www.sec.gov/comments/s7-41-11/s74111-280.pdf
129958383 5567 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56779
55379987 5548 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47802
129958383 5521 https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105526_519231400402_1.pdf
23650324 5330 https://www.sec.gov/comments/s7-41-11/s74111-648.pdf
61401498 5323 https://www.sec.gov/comments/s7-08-12/s70812-17.pdf
58834 5282 https://www.regulations.gov/comment/CFPB-2012-0022-0086
3898749 5253 https://www.sec.gov/comments/s7-02-13/s70213-42.pdf
17440205 5165 https://www.regulations.gov/comment/CFPB-2012-0028-2811
180587 5089 https://www.regulations.gov/comment/CFPB-2016-0025-141761
20128724345 5072 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27716
2383557424 5064 https://www.sec.gov/comments/s7-41-11/s74111-253.pdf
129958383 5002 https://www.regulations.gov/comment/CFPB-2012-0029-0125
129958383 4971 https://www.sec.gov/comments/s7-14-11/s71411-272.pdf
129958383 4968 https://www.regulations.gov/comment/CFPB-2012-0022-0133
1667794 4951 https://www.federalreserve.gov/SECRS/2011/October/20111012/R-1411/R-1411_080111_87582_417746516777_1.pdf
633253 4887 https://www.sec.gov/comments/s7-25-11/s72511-6.pdf
3504695 4873 https://www.federalreserve.gov/SECRS/2012/March/20120321/R-1432/R-1432_021312_105388_329625197266_1.pdf
20128724345 4840 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27701
16527796 4820 https://www.sec.gov/comments/s7-08-12/s70812-28.pdf
29950244 4776 https://www.sec.gov/comments/s7-42-10/s74210-45.pdf
56229 4732 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26871
56229 4732 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26873
325391 4728 https://www.federalreserve.gov/SECRS/2011/December/20111216/R-1411/R-1411_080111_87570_409302868988_1.pdf
15004509 4683 https://www.federalreserve.gov/SECRS/2014/August/20140806/R-1411/R-1411_062514_129544_496064722496_1.pdf
161306 4629 https://www.federalreserve.gov/SECRS/2012/September/20120917/R-1438/R-1438_043012_107254_526456590448_1.pdf
129958383 4623 https://www.regulations.gov/comment/CFPB-2013-0010-0070
379183 4614 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59634
379183 4614 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59636
16527796 4609 https://www.sec.gov/comments/s7-05-11/s70511-19.pdf
16527796 4609 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35489
3179655 4493 https://www.regulations.gov/comment/CFPB-2016-0020-5829
56014529 4489 https://www.sec.gov/comments/s7-12-10/s71210-83.pdf
95418 4456 https://www.regulations.gov/comment/CFPB-2016-0025-186574
239942508 4451 https://www.sec.gov/comments/s7-33-10/s73310-253.pdf
144571 4440 https://www.federalreserve.gov/SECRS/2012/January/20120126/R-1432/R-1432_011312_88656_325257360692_1.pdf
325391 4406 https://www.regulations.gov/comment/CFPB-2012-0028-0488
325391 4406 https://www.regulations.gov/comment/CFPB-2012-0029-0123
1522240 4391 https://www.regulations.gov/comment/CFPB-2013-0033-0391
3898749 4339 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59716
1033863 4267 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59679
2844521 4240 https://www.sec.gov/comments/s7-12-11/s71211-765.pdf
1088918 4226 https://www.regulations.gov/comment/CFPB-2013-0033-0395
401341 4224 https://www.regulations.gov/comment/CFPB-2012-0028-2816
61401498 4159 https://www.sec.gov/comments/s7-06-11/s70611-89.pdf
56014529 4143 https://www.federalreserve.gov/SECRS/2016/June/20160627/R-1534/R-1534_060316_130281_449441757805_1.pdf
100476445 4125 https://www.federalreserve.gov/SECRS/2011/October/20111027/R-1411/R-1411_080111_87571_386031938805_1.pdf
15004509 4120 https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111505_347820850655_1.pdf
15004509 4117 https://www.sec.gov/comments/s7-14-11/s71411-477.pdf
325391 4111 https://www.regulations.gov/comment/CFPB-2011-0008-1406
325391 4106 https://www.federalreserve.gov/SECRS/2011/November/20111129/R-1417/R-1417_072311_84200_576707448388_1.pdf
100476445 4084 https://www.sec.gov/comments/s7-14-11/s71411-286.pdf
17440205 4000 https://www.regulations.gov/comment/CFPB-2013-0018-0069
53613 3984 https://www.federalreserve.gov/SECRS/2011/July/20110714/R-1426/R-1426_070411_81690_370947258359_1.pdf
10769784 3953 https://www.sec.gov/comments/s7-14-11/s71411-213.pdf
14679503 3893 https://www.regulations.gov/comment/CFPB-2016-0020-5528
95102 3864 https://www.sec.gov/comments/s7-42-10/s74210-114.pdf
666255 3821 https://www.regulations.gov/comment/CFPB-2016-0025-140779
56014529 3814 https://www.sec.gov/comments/s7-12-10/s71210-114.pdf
258251232 3795 https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1411/R-1411_080111_84913_367466669743_1.pdf
17440205 3789 https://www.regulations.gov/comment/CFPB-2013-0002-0876
239942508 3763 https://www.sec.gov/comments/s7-21-11/s72111-45.pdf
258251232 3763 https://www.sec.gov/comments/s7-14-11/s71411-243.pdf
239942508 3761 https://www.sec.gov/comments/s7-03-13/s70313-249.pdf
325391 3751 https://www.regulations.gov/comment/CFPB-2014-0019-0256
61401498 3733 https://www.sec.gov/comments/s7-41-11/s74111-560.pdf
55379987 3733 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57408
2309939 3722 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1536/R-1536_072816_130382_335536423253_1.pdf
129958383 3691 https://www.regulations.gov/comment/CFPB-2012-0037-0702
61401498 3671 https://www.federalreserve.gov/SECRS/2012/April/20120426/R-1432/R-1432_041712_107183_560166064473_1.pdf
3898749 3655 https://www.sec.gov/comments/s7-41-11/s74111-341.pdf
56014529 3655 https://www.federalreserve.gov/SECRS/2017/January/20170124/R-1538/R-1538_081216_130439_377948682013_1.pdf
2275021 3644 https://www.regulations.gov/comment/CFPB-2016-0025-199558
7932439 3638 https://www.sec.gov/comments/s7-41-11/s74111-104.pdf
3898749 3635 https://www.federalreserve.gov/SECRS/2012/March/20120309/R-1432/R-1432_021312_105537_519233431691_1.pdf
7932439 3632 https://www.federalreserve.gov/SECRS/2012/March/20120315/R-1432/R-1432_020312_88720_465826131733_1.pdf
856845 3630 https://www.federalreserve.gov/SECRS/2012/September/20120912/R-1438/R-1438_043012_107236_478911121698_1.pdf
239942508 3590 https://www.sec.gov/comments/s7-01-15/s70115-22.pdf
6342686 3590 https://www.sec.gov/comments/s7-40-10/s74010-144.pdf
63813 3535 https://www.federalreserve.gov/SECRS/2012/June/20120622/R-1438/R-1438_043012_107222_602433471448_1.pdf
17440205 3528 https://www.regulations.gov/comment/CFPB-2012-0029-0093
17440205 3528 https://www.regulations.gov/comment/CFPB-2012-0029-0138
1493337 3523 https://www.sec.gov/comments/s7-08-10/s70810-216.pdf
10769784 3512 https://www.sec.gov/comments/s7-39-10/s73910-58.pdf
10769784 3512 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32060
10769784 3512 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27913
14111003 3489 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26875
61401498 3483 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1538/R-1538_080516_130418_401541610117_1.pdf
3898749 3481 https://www.sec.gov/comments/s7-08-12/s70812-4661033-176513.pdf
5568496 3477 https://www.regulations.gov/comment/CFPB-2016-0020-4097
16527796 3472 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60037
129958383 3456 https://www.regulations.gov/comment/CFPB-2014-0033-0122
1497022 3447 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60436
201795 3438 https://www.regulations.gov/comment/CFPB-2014-0024-0030
1 3433 https://www.sec.gov/comments/s7-08-10/s70810-236.pdf
4774661 3426 https://www.federalreserve.gov/SECRS/2013/January/20130110/R-1442/R-1442_102212_110544_401989565567_1.pdf
17440205 3416 https://www.regulations.gov/comment/CFPB-2014-0033-0029
17440205 3416 https://www.regulations.gov/comment/CFPB-2013-0031-0019
56306564 3410 https://www.regulations.gov/comment/CFPB-2016-0025-198999
568749 3384 https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_105542_501418775515_1.pdf
53613 3383 https://www.sec.gov/comments/s7-14-11/s71411-92.pdf
5166418 3381 https://www.federalreserve.gov/SECRS/2011/March/20110331/R-1404/R-1404_022211_67816_571392684973_1.pdf
3898749 3360 https://www.sec.gov/comments/s7-03-13/s70313-260.pdf
239942508 3358 https://www.sec.gov/comments/s7-08-10/s70810-237.pdf
27358153 3331 https://www.federalreserve.gov/SECRS/2012/December/20121206/R-1442/R-1442_101812_109542_476415255780_1.pdf
29950244 3330 https://www.sec.gov/comments/s7-40-10/s74010-114.pdf
2844521 3318 https://www.sec.gov/comments/s7-12-11/s71211-754.pdf
14054477 3306 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59602
3831741 3291 https://www.sec.gov/comments/s7-09-15/s70915-32.pdf
7404 3286 https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1411/R-1411_072911_84835_375986266299_1.pdf
494330 3280 https://www.regulations.gov/comment/CFPB-2013-0033-0273
3623362 3250 https://www.federalreserve.gov/SECRS/2011/June/20110617/R-1414/R-1414_061011_81270_546010440043_1.pdf
36142509 3244 https://www.sec.gov/comments/s7-37-10/s73710-128.pdf
36142509 3244 https://www.sec.gov/comments/s7-36-10/s73610-81.pdf
2844521 3220 https://www.sec.gov/comments/s7-12-11/s71211-707.pdf
129958383 3189 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67250_584267361124_1.pdf
3623362 3179 https://www.federalreserve.gov/SECRS/2016/August/20160805/R-1534/R-1534_060316_130278_609556212671_1.pdf
61401498 3175 https://www.sec.gov/comments/s7-41-11/s74111-250.pdf
287090 3174 https://www.sec.gov/comments/s7-18-11/s71811-78.pdf
492451 3168 https://www.regulations.gov/comment/CFPB-2014-0033-0119
61401498 3167 https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_021312_104931_534018781452_1.pdf
1189221 3162 https://www.regulations.gov/comment/CFPB-2016-0025-143184
3858601 3154 https://www.regulations.gov/comment/CFPB-2016-0020-4318
965240 3144 https://www.sec.gov/comments/s7-41-11/s74111-301.pdf
1206948 3135 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27986
239942508 3101 https://www.sec.gov/comments/s7-31-10/s73110-59.pdf
3175 3093 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56673
15004509 3061 https://www.federalreserve.gov/SECRS/2011/August/20110825/R-1411/R-1411_080111_84874_360639244639_1.pdf
56014529 3053 https://www.sec.gov/comments/s7-08-12/s70812-4660298-176512.pdf
53613 3051 https://www.sec.gov/comments/s7-16-11/s71611-10.pdf
53613 3051 https://www.sec.gov/comments/s7-22-11/s72211-3.pdf
53613 3051 https://www.sec.gov/comments/s7-21-11/s72111-12.pdf
53613 3051 https://www.sec.gov/comments/s7-15-11/s71511-2.pdf
53613 3051 https://www.sec.gov/comments/s7-18-11/s71811-21.pdf
15004509 3047 https://www.sec.gov/comments/s7-14-11/s71411-223.pdf
10769784 3040 https://www.federalreserve.gov/SECRS/2011/January/20110131/R-1397/R-1397_011011_60175_581521864598_1.pdf
10769784 3021 https://www.sec.gov/comments/s7-41-11/s74111-105.pdf
11557207 3017 https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1539/R-1539_091616_130518_456949502423_1.pdf
2476809 3014 https://www.regulations.gov/comment/CFPB-2016-0025-141987
26252433 3011 https://www.sec.gov/comments/s7-03-13/s70313-246.pdf
100476445 3003 https://www.regulations.gov/comment/CFPB-2014-0019-0258
3175 3002 https://www.federalreserve.gov/SECRS/2012/March/20120305/R-1432/R-1432_021312_105540_519234056703_1.pdf
6803281 2996 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27522
10769784 2994 https://www.federalreserve.gov/SECRS/2012/April/20120403/R-1432/R-1432_020312_88722_467837576602_1.pdf
4205309 2987 https://www.regulations.gov/comment/CFPB-2012-0022-0109
4810854 2987 https://www.sec.gov/comments/s7-26-10/s72610-55.pdf
36142509 2979 https://www.sec.gov/comments/s7-06-13/s70613-419.pdf
16527796 2978 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59606
3760715 2976 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61108
105827166 2970 https://www.federalreserve.gov/SECRS/2013/March/20130312/R-1442/R-1442_102212_110338_429542797322_1.pdf
2844521 2941 https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1536/R-1536_072216_130373_395296505033_1.pdf
3623362 2931 https://www.sec.gov/comments/s7-02-13/s70213-46.pdf
16527796 2928 https://www.sec.gov/comments/s7-39-10/s73910-144.pdf
129958383 2903 https://www.regulations.gov/comment/CFPB-2012-0034-0111
129958383 2901 https://www.regulations.gov/comment/CFPB-2012-0033-0151
6046763 2899 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60312
14054477 2876 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27918
333315 2872 https://www.regulations.gov/comment/CFPB-2013-0033-0384
333357 2856 https://www.federalreserve.gov/SECRS/2011/October/20111007/R-1411/R-1411_080111_84911_559945850528_1.pdf
10769784 2855 https://www.federalreserve.gov/SECRS/2011/April/20110411/R-1404/R-1404_040811_69317_547519238516_1.pdf
2958477 2843 https://www.regulations.gov/comment/CFPB-2016-0025-199795
100476445 2840 https://www.federalreserve.gov/SECRS/2011/April/20110407/R-1404/R-1404_022311_67862_571702378419_1.pdf
3623362 2819 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61208
129958383 2816 https://www.regulations.gov/comment/CFPB-2011-0006-0005
129958383 2816 https://www.regulations.gov/comment/CFPB-2011-0007-0005
17440205 2803 https://www.regulations.gov/comment/CFPB-2014-0019-0137
4205309 2800 https://www.regulations.gov/comment/CFPB-2013-0002-0895
2559632 2796 https://www.sec.gov/comments/s7-42-10/s74210-34.pdf
3898749 2793 https://www.federalreserve.gov/SECRS/2013/December/20131218/R-1411/R-1411_103013_111521_347818506785_1.pdf
16527796 2785 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59600
3898749 2784 https://www.sec.gov/comments/s7-14-11/s71411-433.pdf
1033863 2783 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=35524
4205309 2772 https://www.sec.gov/comments/s7-14-11/s71411-279.pdf
4205309 2770 https://www.federalreserve.gov/SECRS/2011/November/20111122/R-1411/R-1411_080111_87589_449251093405_1.pdf
239942508 2762 https://www.sec.gov/comments/s7-08-10/s70810-302.pdf
1037564 2757 https://www.regulations.gov/comment/CFPB-2012-0028-2737
16527796 2752 https://www.sec.gov/comments/s7-06-13/s70613-397.pdf
56014529 2740 https://www.sec.gov/comments/s7-12-10/s71210-34.pdf
3623362 2740 https://www.sec.gov/comments/s7-39-10/s73910-8.pdf
3623362 2735 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27052
3623362 2735 https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27051
125619 2732 https://www.regulations.gov/comment/CFPB-2016-0020-2974
100476445 2711 https://www.federalreserve.gov/SECRS/2011/March/20110303/R-1404/R-1404_022211_67952_575354719897_1.pdf
56306564 2707 https://www.regulations.gov/comment/CFPB-2016-0025-191003
61401498 2693 https://www.sec.gov/comments/s7-34-10/s73410-192.pdf
20551812 2685 https://www.sec.gov/comments/s7-07-13/s70713-565.pdf
1163000 2677 https://www.regulations.gov/comment/CFPB-2014-0033-0117
2879226 2676 https://www.federalreserve.gov/SECRS/2012/May/20120510/R-1438/R-1438_043012_107243_412035027948_1.pdf
15004509 2662 https://www.federalreserve.gov/SECRS/2012/August/20120824/R-1432/R-1432_071212_107895_555401745064_1.pdf
1033863 2660 https://www.federalreserve.gov/SECRS/2016/December/20161227/R-1538/R-1538_080516_130421_423054023019_1.pdf
15004509 2659 https://www.sec.gov/comments/s7-41-11/s74111-595.pdf
27358153 2648 https://www.federalreserve.gov/SECRS/2011/January/20110121/R-1391/R-1391_102510_54039_565233457945_1.pdf
4969945 2644 https://www.federalreserve.gov/SECRS/2012/October/20121018/R-1442/R-1442_101212_108705_353149601973_1.pdf
5830432 2640 https://www.regulations.gov/comment/CFPB-2013-0033-0351
792265099 2612 https://www.federalreserve.gov/SECRS/2011/June/20110614/R-1414/R-1414_060911_81215_302027193104_1.pdf
100476445 2608 https://www.federalreserve.gov/SECRS/2012/December/20121228/R-1442/R-1442_102212_110019_509618679676_1.pdf
15004509 2607 https://www.sec.gov/comments/s7-08-10/s70810-217.pdf
# broken out by org type 

mt_assets <- lm(dictionary_terms ~ assets,
           data = t  %>% mutate(assets = assets/10000000000))

mt_opensecrets <- glm(dictionary_terms ~ MeanContribAmount,
           data = t %>% mutate(MeanContribAmount = MeanContribAmount/10000))

mt_marketcap <- glm(dictionary_terms ~ marketcap2,
           data = t  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(mt_assets, mt_marketcap)

# FIXME 
# modelsummary(models)

modelplot( mt_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Additional Technical Terms per Ten Thousand Dollars")

modelplot(mt_marketcap) + theme(legend.position = "none") + 
  labs(x = "Additional Technical Terms per Ten Billion Dollars")


Efficacy

Efficacy by Assets

These models have the prefix me_. The dependent variable is the efficacy score.

# broken out by org type 

mea_assets <- lm(efficacy ~ assets,
           data = e  %>% mutate(assets = assets/1000000))

mea_opensecrets <- glm(efficacy ~ MeanContribAmount,
           data = e %>% mutate(MeanContribAmount = MeanContribAmount/1000))

mea_marketcap <- glm(efficacy ~ marketcap2,
           data = e  %>% mutate(marketcap2 = marketcap2/1000000))

models <- list(mea_assets, mea_opensecrets, mea_marketcap)

# FIXME 
#modelsummary(models)

modelplot( mea_assets) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Million Dollars")

modelplot( mea_opensecrets) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Thousand Dollars")

modelplot(mea_marketcap) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Million Dollars")

Efficacy by Sophistication

These models have the prefix mes_. The dependent variable is the efficacy score.

mes_bluebook <- lm(efficacy ~ Total_Legal_Citations,
           data = d )

mes_terms <- glm(efficacy ~ dictionary_terms,
           data = d)

mes_terms_bluebook <- glm(efficacy ~ dictionary_terms + Total_Legal_Citations,
           data = d )

models <- list(mes_terms , mes_bluebook , mes_terms_bluebook )

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Efficacy",
   `2` = "Efficacy",
  `3` = "Efficacy"
)

attr(rows, 'position') <- c(0)


# FIXME 
# modelsummary(models)#, gof_map = gm)

modelplot(mes_terms) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Technical Term")

modelplot( mes_bluebook ) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule per Legal Citation")

modelplot(mes_terms_bluebook ) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule")

modelplot(models) + theme(legend.position = "none") +  
  labs(x = "Words Added to Final Rule")


Efficacy by Assets Mediated by Sophistication

To assess sophistication as a mediator between wealth and the influence of public comments on rules (efficacy), we estimate the average conditional marginal effect (ACME, conditional on the number of technical terms or legal citations) and average direct effect (ADE) of wealth using mediation analysis.

These models have the prefix mem_. The dependent variable is the efficacy score. The mediator is technical terms.

Assets x technical terms

# model predicting mediator, sophistication 
model.m <- lm(dictionary_terms ~ assets,  
              data = b  %>% mutate(assets = assets/10000000000) %>% 
                drop_na(dictionary_terms, efficacy))

# model predicting DV
model.y <- glm(efficacy ~ dictionary_terms + assets,  
               data = b  %>% mutate(assets = assets/10000000000))

models <- list(model.m, model.y)

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Technical Terms",
   `2` = "Efficacy",
)

attr(rows, 'position') <- c(0)


modelsummary(models)
Model 1 Model 2
Dependent Variable Technical Terms Efficacy
Assets −100.512 −5.367
(128.520) (12.890)
Technical Terms 0.093***
(0.003)
Num.Obs. 1584 1584
R2 0.000
R2 Adj. 0.000
AIC 28866.9 21582.0
BIC 28883.0 21603.5
Log.Lik. −14430.456 −10787.024
F 0.612
RMSE 2190.38 219.64
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
med.cont <- mediate(model.m, model.y, sims=1000, treat = "assets",
mediator = "dictionary_terms")

summary(med.cont)
## 
## Causal Mediation Analysis 
## 
## Quasi-Bayesian Confidence Intervals
## 
##                Estimate 95% CI Lower 95% CI Upper p-value
## ACME              -9.26       -31.92         13.5    0.44
## ADE               -4.71       -29.37         19.5    0.70
## Total Effect     -13.97       -46.03         19.6    0.40
## Prop. Mediated     0.58        -3.84          6.4    0.36
## 
## Sample Size Used: 1584 
## 
## 
## Simulations: 1000
plot(med.cont, 
     main = "Technical Terms as a Mediator Between\nAssets and Lobbying Success",       
     xlab = "Words from Comment Added to Final Rule")

Market cap x technical terms

# model predicting mediator, sophistication 
model.m <- lm(dictionary_terms ~ marketcap2,  
              data = b  %>% mutate(marketcap2 = marketcap2/10000000000) %>% 
                drop_na(dictionary_terms, efficacy))

# model predicting DV
model.y <- glm(efficacy ~ dictionary_terms + marketcap2,  
               data = b  %>% mutate(marketcap2 = marketcap2/10000000000))

models <- list(model.m, model.y)

rows <- tibble(
  term = c("Dependent Variable"),
  `1` = "Technical Terms",
   `2` = "Efficacy",
)

attr(rows, 'position') <- c(0)


modelsummary(models)
Model 1 Model 2
Dependent Variable Technical Terms Efficacy
Market Capitalization 52.010* 1.230
(25.277) (2.531)
Technical Terms 0.115***
(0.009)
Num.Obs. 133 133
R2 0.031
R2 Adj. 0.024
AIC 2423.5 1808.1
BIC 2432.2 1819.7
Log.Lik. −1208.764 −900.063
F 4.234
RMSE 2158.33 212.70
+ p < 0.1, * p < 0.05, ** p < 0.01, *** p < 0.001
med.cont <- mediate(model.m, model.y, sims=1000, treat = "marketcap2",
mediator = "dictionary_terms")

summary(med.cont)
## 
## Causal Mediation Analysis 
## 
## Quasi-Bayesian Confidence Intervals
## 
##                Estimate 95% CI Lower 95% CI Upper p-value  
## ACME              5.927       -0.132        12.05   0.052 .
## ADE               1.162       -3.635         5.74   0.616  
## Total Effect      7.089       -0.219        14.81   0.060 .
## Prop. Mediated    0.818       -0.357         2.75   0.076 .
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## Sample Size Used: 133 
## 
## 
## Simulations: 1000
plot(med.cont, 
     main = "Techical Terms as a Mediator Between\nAssets and Lobbying Success",     
     xlab = "Words from Comment Added to Final Rule")

Save data

n_comments <- nrow(efficacyXsophistication)

save(n_comments,
     efficacyXsophistication, 
     file = here::here("data", "efficacyXsophistication.Rdata"))

TODO

  • check on the status of OCC comments (missing from the attachments table as of May 2022)

  • split out FDIC banks and nonprofits in asset mediation analysis? (at the moment, neither type of asset is correlated with efficacy, so mediation analysis is a low priority)

  • Try to get efficacy measures for key observations. For example, in cases where we have market cap:

Observations for which we have market cap and sophistication but are missing efficacy measures:

b %>% drop_na(marketcap, Total_Legal_Citations) %>% 
  arrange(-Total_Legal_Citations) %>% 
  filter(is.na(efficacy)) %>% 
  dplyr::select(efficacy,marketcap, Total_Legal_Citations, org_name, comment_url) %>% 
  kablebox()
efficacy marketcap Total_Legal_Citations org_name comment_url
NA 81.203B 28 pnc financial services https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56654
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50461
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50454
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50457
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50459
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50460
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50456
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50455
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50462
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50463
NA 157.755B 19 nextera energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50458
NA 135.268B 13 american express https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56677
NA 81.203B 11 pnc financial services https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=57240
NA 41.51B 10 prudential financial https://www.federalreserve.gov/SECRS/2016/October/20161012/R-1540/R-1540_081716_130449_332400080474_1.pdf
NA 44.46B 9 american international https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56940
NA 1.465B 8 encore capital https://www.regulations.gov/comment/CFPB-2013-0033-0297
NA 7.662B 7 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1193
NA 31.111B 7 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59086
NA 7.066B 7 plains all american pipeline https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59664
NA 81.203B 6 pnc financial services https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_103013_111504_377906975622_1.pdf
NA 155.87B 6 philip morris international https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27874
NA 155.87B 6 philip morris international https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27877
NA 31.111B 6 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27841
NA 1.546B 6 peabody energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58785
NA 1.436B 6 federal national mortgage association https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47734
NA 81.203B 5 pnc financial services https://www.regulations.gov/comment/CFPB-2012-0028-2818
NA 77.869B 5 capital one financial https://www.federalreserve.gov/SECRS/2011/November/20111102/R-1404/R-1404_093011_87710_440533443209_1.pdf
NA 1.204B 4 enova international https://www.regulations.gov/comment/CFPB-2016-0025-142788
NA 1.839B 4 portfolio recovery associates https://www.regulations.gov/comment/CFPB-2013-0033-0290
NA 135.268B 4 american express https://www.federalreserve.gov/SECRS/2016/August/20160826/R-1537/R-1537_080416_130402_470377463616_1.pdf
NA 13.173B 4 atmos energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58895
NA 1.546B 4 peabody energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27912
NA 2.709B 3 international bancshares https://www.regulations.gov/comment/CFPB-2013-0029-0005
NA 1.436B 3 federal national mortgage association fannie mae https://www.sec.gov/comments/s7-38-11/s73811-16.pdf
NA 55.195B 3 thomson reuters https://www.sec.gov/comments/s7-06-11/s70611-97.pdf
NA 9.264B 3 ares capital https://www.sec.gov/comments/s7-35-11/s73511-173.pdf
NA 126.174B 3 american tower https://www.sec.gov/comments/s7-07-15/s70715-37.pdf
NA 2.709B 3 international bancshares https://www.federalreserve.gov/SECRS/2016/August/20160812/R-1536/R-1536_072116_130352_567245077295_1.pdf
NA 81.203B 3 pnc financial services https://www.federalreserve.gov/SECRS/2011/September/20110909/R-1411/R-1411_072911_84804_375985797546_1.pdf
NA 1.546B 3 peabody energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27911
NA 23.134B 3 oneok inc new https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27803
NA 55.195B 3 thomson reuters https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50019
NA 31.111B 3 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=50014
NA 2.709B 2 international bancshares https://www.regulations.gov/comment/CFPB-2013-0020-0008
NA 2.709B 2 international bancshares https://www.sec.gov/comments/s7-08-13/s70813-8.pdf
NA 37.109B 2 xcel energy https://www.sec.gov/comments/s7-18-08/s71808-49.pdf
NA 20.372B 2 towers watson https://www.sec.gov/comments/s7-07-15/s70715-66.pdf
NA 43.376B 2 ross stores https://www.sec.gov/comments/s7-07-15/s70715-22.pdf
NA 4.7B 2 alliance data systems https://www.sec.gov/comments/s7-14-11/s71411-208.pdf
NA 77.869B 2 capital one financial https://www.federalreserve.gov/SECRS/2014/October/20141003/R-1492/R-1492_081114_129584_426054075692_1.pdf
NA 25.473B 2 credit suisse https://www.federalreserve.gov/SECRS/2016/March/20160315/R-1415/R-1415_031016_130236_399130518498_1.pdf
NA 880.745M 2 moneygram international https://www.federalreserve.gov/SECRS/2011/August/20110810/R-1419/R-1419_072211_84191_470498030225_1.pdf
NA 4.7B 2 alliance data systems https://www.federalreserve.gov/SECRS/2011/November/20111103/R-1411/R-1411_072911_84797_375986891303_1.pdf
NA 13.173B 2 atmos energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=47916
NA 10.569B 2 nrg energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60434
NA 13.173B 2 atmos energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59705
NA 26.672B 2 fifth third bancorp https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26186
NA 1.436B 2 federal national mortgage association https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27572
NA 1.436B 2 federal national mortgage association https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58100
NA 25.473B 2 credit suisse https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60027
NA 25.473B 2 credit suisse https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60025
NA 55.195B 2 thomson reuters https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26484
NA 2.709B 1 international bancshares https://www.regulations.gov/comment/CFPB-2011-0009-0013
NA 2.521B 1 green dot https://www.regulations.gov/comment/CFPB-2011-0002-0510
NA 55.195B 1 thomson reuters https://www.sec.gov/comments/s7-06-11/s70611-130.pdf
NA 31.111B 1 state street https://www.sec.gov/comments/s7-06-11/s70611-123.pdf
NA 31.111B 1 state street https://www.sec.gov/comments/s7-03-13/s70313-176.pdf
NA 4.154B 1 allison transmission https://www.sec.gov/comments/s7-14-11/s71411-492.pdf
NA 243.155B 1 exxon mobil https://www.sec.gov/comments/s7-12-15/s71215-22.pdf
NA 77.869B 1 capital one financial https://www.sec.gov/comments/s7-08-10/s70810-85.pdf
NA 17.947B 1 mt bank https://www.federalreserve.gov/SECRS/2012/May/20120509/R-1438/R-1438_042612_107205_508013679348_1.pdf
NA 17.947B 1 mt bank https://www.federalreserve.gov/SECRS/2016/August/20160804/R-1536/R-1536_072216_130363_397007289509_1.pdf
NA 2.709B 1 international bancshares https://www.federalreserve.gov/SECRS/2011/July/20110713/R-1419/R-1419_071111_81830_315660931176_1.pdf
NA 4.154B 1 allison transmission https://www.federalreserve.gov/SECRS/2013/December/20131219/R-1411/R-1411_110413_111570_588664892442_1.pdf
NA 349.823B 1 home depot https://www.federalreserve.gov/SECRS/2011/March/20110310/R-1404/R-1404_022211_67983_575545615232_1.pdf
NA 2.709B 1 international bancshares https://www.federalreserve.gov/SECRS/2011/July/20110728/R-1417/R-1417_072111_83440_390680811860_1.pdf
NA 4.477B 1 portland general electric https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=58884
NA 31.111B 1 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=32026
NA 41.51B 1 prudential financial https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=42341
NA 135.268B 1 american express https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27884
NA 13.173B 1 atmos energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27818
NA 13.173B 1 atmos energy https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27745
NA 31.111B 1 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56802
NA 17.947B 1 mt bank https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56678
NA 31.111B 1 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=61064
NA 33.763B 1 archer daniels midland https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60934
NA 41.51B 1 prudential financial https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=56745
NA 10.546B 1 cf industries https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=27982
NA 33.763B 1 archer daniels midland https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=60300
NA 33.763B 1 archer daniels midland https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=59640
NA 31.111B 1 state street https://comments.cftc.gov/PublicComments/ViewComment.aspx?id=26831
NA 2.709B 0 international bancshares https://www.regulations.gov/comment/CFPB-2016-0039-0012
NA 2.709B 0 international bancshares https://www.regulations.gov/comment/CFPB-2016-0025-148413
NA 1.222B 0 world acceptance https://www.regulations.gov/comment/CFPB-2016-0025-185032
NA 10.713B 0 cree research inc nc https://www.regulations.gov/comment/CFPB-2016-0025-72528
NA 2.709B 0 international bancshares https://www.regulations.gov/comment/CFPB-2016-0038-1332
NA 5.089B 0 glacier bancorp https://www.regulations.gov/comment/CFPB-2014-0019-0309
NA 13.935B 0 fidelity national title https://www.regulations.gov/comment/CFPB-2015-0029-0025
NA 2.709B 0 international bancshares https://www.regulations.gov/comment/CFPB-2013-0033-0229
NA 3.646B 0 home bancshares https://www.regulations.gov/comment/CFPB-2012-0028-0414
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-0523
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-0538
NA 4.519B 0 pennymac financial services https://www.regulations.gov/comment/CFPB-2012-0033-0025
NA 4.519B 0 pennymac financial services https://www.regulations.gov/comment/CFPB-2012-0034-0020
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-0628
NA 13.935B 0 fidelity national title https://www.regulations.gov/comment/CFPB-2012-0028-0670
NA 107.654M 0 guaranty federal bancshares https://www.regulations.gov/comment/CFPB-2012-0037-0410
NA 107.654M 0 guaranty federal bancshares https://www.regulations.gov/comment/CFPB-2012-0037-0330
NA 107.654M 0 guaranty federal bancshares https://www.regulations.gov/comment/CFPB-2012-0037-0347
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0396
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0588
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0681
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0610
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0688
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0661
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0625
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0642
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0693
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0649
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0581
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0647
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0616
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0037-0617
NA 2.21M 0 sino green land https://www.regulations.gov/comment/CFPB-2011-0008-1460
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1049
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1122
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1173
NA 620.222M 0 orchid island capital https://www.regulations.gov/comment/CFPB-2012-0028-1252
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1220
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1171
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1372
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1539
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1544
NA 13.935B 0 fidelity national title https://www.regulations.gov/comment/CFPB-2012-0028-1808
NA 38.186M 0 impac mortgage https://www.regulations.gov/comment/CFPB-2012-0028-1471
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-1498
NA 13.935B 0 fidelity national title https://www.regulations.gov/comment/CFPB-2012-0028-1482
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2012-0028-2039
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-2721
NA 13.935B 0 fidelity national title https://www.regulations.gov/comment/CFPB-2012-0028-2675
NA 7.662B 0 old republic international https://www.regulations.gov/comment/CFPB-2012-0028-2790
NA 3.438B 0 pimco dynamic credit mortgage income fund https://www.regulations.gov/comment/CFPB-2013-0002-0338
NA 49.177M 0 anchor funding services https://www.regulations.gov/comment/CFPB-2013-0002-0227
NA 711.511M 0 cross country healthcare https://www.regulations.gov/comment/CFPB-2013-0002-0256
NA 38.186M 0 impac mortgage https://www.regulations.gov/comment/CFPB-2013-0002-0095
NA 33.145M 0 innovative medical services https://www.regulations.gov/comment/CFPB-2013-0002-0447
NA 194.245M 0 c f financial https://www.regulations.gov/comment/CFPB-2013-0002-0401
NA 33.145M 0 innovative medical services https://www.regulations.gov/comment/CFPB-2013-0002-0719
NA 33.145M 0 innovative medical services https://www.regulations.gov/comment/CFPB-2013-0002-0519
NA 124,100 0 capital financial https://www.regulations.gov/comment/CFPB-2013-0002-0819
NA 81.203B 0 pnc bank https://www.regulations.gov/comment/CFPB-2012-0050-0110
NA 26.57M 0 diversified mortgage workout https://www.regulations.gov/comment/CFPB-2013-0018-0230
NA 1.465B 0 encore capital https://www.regulations.gov/comment/CFPB-2012-0005-0011
NA 21.687M 0 princeton capital https://www.regulations.gov/comment/CFPB-2012-0028-0098
NA 8.787B 0 first horizon national https://www.regulations.gov/comment/CFPB-2012-0010-0034
NA 9.118B 0 western union https://www.regulations.gov/comment/CFPB-2011-0009-0121
NA 1.839B 0 portfolio recovery associates https://www.regulations.gov/comment/CFPB-2011-0002-0479
NA 1.465B 0 encore capital https://www.regulations.gov/comment/CFPB-2011-0002-0478
NA 48.921B 0 price t rowe https://www.sec.gov/comments/s7-12-10/s71210-111.pdf
NA 17.947B 0 mt bank https://www.sec.gov/comments/s7-03-13/s70313-251.pdf
NA 424.634M 0 first trustfiduciary asset management covered call fund https://www.sec.gov/comments/s7-08-11/s70811-62.pdf
NA 55.195B 0 thomson reuters https://www.sec.gov/comments/s7-06-11/s70611-27.pdf
NA 48.921B 0 price t rowe https://www.sec.gov/comments/s7-12-10/s71210-35.pdf
NA 75.085B 0 chicago mercantile exchange https://www.sec.gov/comments/s7-34-10/s73410-159.pdf
NA 25.473B 0 credit suisse https://www.sec.gov/comments/s7-08-12/s70812-3785770-162712.pdf
NA 18.444B 0 boston properties https://www.sec.gov/comments/s7-18-08/s71808-108.pdf
NA 23.132B 0 dte energy https://www.sec.gov/comments/s7-18-08/s71808-91.pdf
NA 4.096B 0 pnm resources https://www.sec.gov/comments/s7-18-08/s71808-90.pdf
NA 32.25B 0 public service enterprise https://www.sec.gov/comments/s7-18-08/s71808-89.pdf
NA 15.181B 0 alliant energy https://www.sec.gov/comments/s7-18-08/s71808-86.pdf
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